topic Re: how high in a year??? in Understanding FICO® Scoring

how high in a year???

Anonymous — Thu, 21 Jun 2007 01:11:59 GMT

who has jumped 100 pts or more in a year and how? i would like to hear your story.

Re: how high in a year???

Tuscani — Thu, 21 Jun 2007 01:50:58 GMT

I have seen 100+/- fluctuations in under 30 days.

Re: how high in a year???

Anonymous — Thu, 21 Jun 2007 01:59:11 GMT

you lucky dog!

Re: how high in a year???

Anonymous — Thu, 21 Jun 2007 04:42:49 GMT

102 Points in 30 days 518 to 620
140 in 6 months. 480 to 620
Who? Me

Re: how high in a year???

Anonymous — Thu, 21 Jun 2007 04:45:31 GMT

How?
I got the baddies off (CA's) - UTL down, also managed to fix some lates

Re: how high in a year???

Anonymous — Thu, 21 Jun 2007 08:00:03 GMT

I went from 660 score to around 760+ over the past year. Lowering utilization, paying off CCs, and limiting credit inquiries helped tremendously.

Re: how high in a year???

Anonymous — Thu, 21 Jun 2007 19:34:31 GMT

i am hoping for 100-125 points within 12 months...all baddies will drop between august '07 and january '08, and the new accounts that i just opened will be a year old. i am now 657 ex, 641 tu and 590 eq. i figure i will drop in the next couple of months due to 4 new cc's that i added to lower my ut.

my fako's are as follows:

613 621 611

Message Edited by dog on 06-21-2007 03:34 PM

Re: how high in a year???

Anonymous — Fri, 22 Jun 2007 22:36:37 GMT

why are they called fakos?

Re: how high in a year???

smallfry — Fri, 22 Jun 2007 23:05:35 GMT

@Anonymous wrote:
why are they called fakos?

Hey watch it buddy. This is a coed site. Cause they aren't real scores.

Re: how high in a year???

Anonymous — Fri, 22 Jun 2007 23:35:07 GMT

could you elaborate a little,how far off are they?

Re: how high in a year???

smallfry — Sat, 23 Jun 2007 00:11:55 GMT

Who knows? My FICO scores are about 30 points higher than my FAKO's from Truecredit. Some people have FICO scores that are 100 points lower than their respective FAKO Scores. I pay no attention to them at all.

Re: how high in a year???

MidnightVoice — Sat, 23 Jun 2007 00:19:33 GMT

dog wrote:
who has jumped 100 pts or more in a year and how? i would like to hear your story.

In the last 6 months:

TU - +111

EQ - +80

EX - -7

And yes, that last one is a minus

Re: how high in a year???

Anonymous — Sat, 23 Jun 2007 00:30:58 GMT

amazing, isnt it. i am hoping for some plussage pretty soon or i am going to freak out.

Re: how high in a year???

Anonymous — Sat, 23 Jun 2007 00:53:00 GMT

I used to tell lenders no need to pull credit I am at least an 850. lol It was my TU FAKO score. I went up 110 FICO points in past 12 months. No story really, I didn't know about checking my scores and what effected them. I was watching the Suze show and she kept pushing FICO. I started buying scores and here I am. I still have many more points and at least 1 year to go to reach a personal goal score that I set for my self.

Message Edited by ilovepizza on 06-22-2007 05:53 PM

Re: how high in a year???

Anonymous — Sat, 23 Jun 2007 04:33:33 GMT

Timothy wrote:
102 Points in 30 days 518 to 620
140 in 6 months. 480 to 620
Who? Me

I took my new score to the Amex webstite and I was approved!!!!!!!!!!

Think 518 less than a month ago.

Re: how high in a year???

Anonymous — Sat, 23 Jun 2007 04:35:26 GMT

Timothy wrote:
102 Points in 30 days 518 to 620
140 in 6 months. 480 to 620
Who? Me

I took my new EX score to the AMEX website and they approved me for the Sky Miles.

Crazy to think it was 518 on May 21.

Re: how high in a year???

Anonymous — Sat, 23 Jun 2007 11:58:34 GMT

Timothy.

I am wondering if you have any collections on your cr's.

Re: how high in a year???

Anonymous — Sun, 24 Jun 2007 02:07:05 GMT

I now have zero on EXP, one on EQ and TU that fall off TU in Aug.

ObsessedwithmyFico wrote:
Timothy.
I am wondering if you have any collections on your cr's.

Re: how high in a year???

lost2007 — Thu, 28 Jun 2007 03:34:40 GMT

I jumped up 84 points on EX. 533 to 617 as of today from April 23, 2007. Got my 90 late SL up to date and in good standing. Dropped my UTL in half and knocked off 2 baddies.... I'm going to the top ladies and gents...lol

Re: how high in a year???

Tuscani — Thu, 28 Jun 2007 12:06:31 GMT

lost2007 wrote:
I jumped up 84 points on EX. 533 to 617 as of today from April 23, 2007. Got my 90 late SL up to date and in good standing. Dropped my UTL in half and knocked off 2 baddies.... I'm going to the top ladies and gents...lol

Was the 90 day late with SM?