topic Re: WOW!!! in General Credit Topics

WOW!!!

Anonymous — Tue, 12 Jun 2007 20:42:00 GMT

I just got notification from fico that score went up a whopping 93 point. I am so excited, i thought it was going to go down after i had just applied for the Delta Skymiles on 6-08-07 and was denied. my score went from 669 to 762 what could have caused this. There were no new changes to my account, except balance increase on a couple of my cards and then i also got credit increase on one card. I curious as too what caused this....

Re: WOW!!!

Tuscani — Tue, 12 Jun 2007 20:43:29 GMT

WOW! What was your util before the CLI?

Re: WOW!!!

Anonymous — Tue, 12 Jun 2007 21:06:41 GMT

It was at half of the limit they gave me....

Re: WOW!!!

Tuscani — Tue, 12 Jun 2007 21:07:22 GMT

So your util went from what to what? Are you sure nothing else changed?

Re: WOW!!!

Anonymous — Tue, 12 Jun 2007 21:14:30 GMT

I would be happy as a pig in poop if I saw that kind of increase when they add my new TL's to my account. Heck, I'd be happy with just a 10 point increase. Congrats!

Re: WOW!!!

MidnightVoice — Tue, 12 Jun 2007 21:16:05 GMT

It seems a huge increase. Did something old and nasty drop off by any chance?

Re: WOW!!!

Anonymous — Tue, 12 Jun 2007 21:20:05 GMT

MidnightVoice wrote:
It seems a huge increase. Did something old and nasty drop off by any chance?

That's what I'm thinking, I would go an updated report and compare it to an archived report and see if any baddies aged off.

Re: WOW!!!

Anonymous — Tue, 12 Jun 2007 21:20:07 GMT

I am trying to find out now what is going on, my util was $250 and my credit limit was $ 500 i got a increase to $1000 which is not showing up. I had a inquiry on from Bank card or Delta Skymile Amex on 6-8-07 and i just applied foe Sally Mae on yesterday. So i do not have a clue as to what is going on. Has paid all bills on time in the last 30 days. I know that my score is probably going to go down after the 2 inq, but in the meantime i am excited....

Re: WOW!!!

Anonymous — Tue, 12 Jun 2007 21:28:47 GMT

I hear you i am so exciting i am trying to find out a cheaper way to get all three reports, i am new to the forum and i would like to know what would be the more economic way to get all three reports. I know that the they cost $15.95 for each one, but it has to be a cheaper way...

Re: WOW!!!

Anonymous — Tue, 12 Jun 2007 21:36:18 GMT

There ARE some discount codes out there in which you can get a small percentage off.
You can also get your EX credit report from Myfico for free the first time, as long as you sign up for the service.
You can also get all 3 reports and FAKO scores from TC for cheaper, but the scores really don't mean much ...... cause ..... well .... their FAKO.

Re: WOW!!!

MidnightVoice — Tue, 12 Jun 2007 21:43:22 GMT

And im my case, with EQ being my middle score (and they vary by 100 points) scorewatch is great. I know what is happening with at least ONE CRA.

Re: WOW!!!

Anonymous — Wed, 13 Jun 2007 00:18:49 GMT

You can get all 3 reports once a year for free at www.freecreditreport.com.

Re: WOW!!!

Tuscani — Wed, 13 Jun 2007 00:28:24 GMT

becka wrote:

You can get all 3 reports once a year for free at www.freecreditreport.com.

TC is much better monitoring for less money!