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    <title>topic Re: My Fico scores are up!!! in General Credit Topics</title>
    <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/My-Fico-scores-are-up/m-p/21771#M15310</link>
    <description>&lt;DIV&gt;&lt;/DIV&gt;&lt;DIV&gt;&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;DIV&gt;&lt;HR /&gt;Timothy wrote:&lt;BR /&gt;&lt;DIV&gt;&lt;/DIV&gt;&lt;DIV&gt;I got another 5 point today for:&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&lt;SPAN&gt;Your FICO score may have gone up because the following factor is not hurting your FICO score as much as before:&lt;BR /&gt;&lt;BR /&gt;&lt;/SPAN&gt;&lt;UL&gt;&lt;LI&gt;You have a short credit history.&lt;/LI&gt;&lt;/UL&gt;&lt;/DIV&gt;&lt;BR /&gt;&lt;HR /&gt;&lt;/DIV&gt;&lt;/BLOCKQUOTE&gt;&lt;BR /&gt;&lt;DIV&gt;Dispute as a violation of the ECOA. &lt;img id="smileyvery-happy" class="emoticon emoticon-smileyvery-happy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-very-happy.gif" alt="Smiley Very Happy" title="Smiley Very Happy" /&gt;&lt;/DIV&gt;&lt;/DIV&gt;&lt;BR /&gt;&lt;BR /&gt;Message Edited by Noah_Bodie on &lt;SPAN class="date_text"&gt;06-22-2007&lt;/SPAN&gt; &lt;SPAN class="time_text"&gt;09:10 PM&lt;/SPAN&gt;</description>
    <pubDate>Sat, 23 Jun 2007 04:10:01 GMT</pubDate>
    <dc:creator>Anonymous</dc:creator>
    <dc:date>2007-06-23T04:10:01Z</dc:date>
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      <title>My Fico scores are up!!!</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/My-Fico-scores-are-up/m-p/8830#M5503</link>
      <description>&lt;DIV&gt;&lt;FONT face="Verdana" size="4"&gt;My fico scores are up during this past month.&amp;nbsp; 10 point on experian 35 on the other 2!&amp;nbsp; Yeah!&lt;/FONT&gt;&lt;/DIV&gt;</description>
      <pubDate>Wed, 16 May 2007 12:40:06 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/My-Fico-scores-are-up/m-p/8830#M5503</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2007-05-16T12:40:06Z</dc:date>
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      <title>Re: My Fico scores are up!!!</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/My-Fico-scores-are-up/m-p/8831#M5504</link>
      <description>&lt;DIV&gt;Good work!!!!&amp;nbsp; Congratulations&lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;&lt;/DIV&gt;</description>
      <pubDate>Wed, 16 May 2007 12:45:56 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/My-Fico-scores-are-up/m-p/8831#M5504</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2007-05-16T12:45:56Z</dc:date>
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      <title>Re: My Fico scores are up!!!</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/My-Fico-scores-are-up/m-p/8832#M5505</link>
      <description>&lt;DIV&gt;way to go!&lt;/DIV&gt;</description>
      <pubDate>Wed, 16 May 2007 12:49:09 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/My-Fico-scores-are-up/m-p/8832#M5505</guid>
      <dc:creator>Tuscani</dc:creator>
      <dc:date>2007-05-16T12:49:09Z</dc:date>
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    <item>
      <title>Re: My Fico scores are up!!!</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/My-Fico-scores-are-up/m-p/21477#M15076</link>
      <description>&lt;DIV&gt;Now Experian went down. I think it is because I applied a new credit card. Got turned down. But anyway it went from 574 to 564.&amp;nbsp; I wonder how long that will be down. I did pay off 2 collection and my student loan will be paid in full at the end of the month&lt;/DIV&gt;&lt;DIV&gt;But I&amp;nbsp;guess with paying off a few collection it doesnt take them&amp;nbsp;away so paying them doesnt take away the impact it will relfect on my credit report.&amp;nbsp; &lt;img id="smileysad" class="emoticon emoticon-smileysad" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-sad.gif" alt="Smiley Sad" title="Smiley Sad" /&gt;&amp;nbsp;&lt;/DIV&gt;</description>
      <pubDate>Fri, 22 Jun 2007 18:51:57 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/My-Fico-scores-are-up/m-p/21477#M15076</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2007-06-22T18:51:57Z</dc:date>
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      <title>Re: My Fico scores are up!!!</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/My-Fico-scores-are-up/m-p/21484#M15080</link>
      <description>Sweet!</description>
      <pubDate>Fri, 22 Jun 2007 19:08:38 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/My-Fico-scores-are-up/m-p/21484#M15080</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2007-06-22T19:08:38Z</dc:date>
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      <title>Re: My Fico scores are up!!!</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/My-Fico-scores-are-up/m-p/21487#M15083</link>
      <description>&lt;DIV&gt;Nice&lt;/DIV&gt;</description>
      <pubDate>Fri, 22 Jun 2007 19:10:47 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/My-Fico-scores-are-up/m-p/21487#M15083</guid>
      <dc:creator>MidnightVoice</dc:creator>
      <dc:date>2007-06-22T19:10:47Z</dc:date>
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      <title>Re: My Fico scores are up!!!</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/My-Fico-scores-are-up/m-p/21490#M15085</link>
      <description>&lt;DIV&gt;Woo Hoo&amp;nbsp; it seems that Fico is giving a lot of love lately my TransUnion just went up 25 points.&amp;nbsp;&amp;nbsp; Though they were about 3 weeks behind Experian in the same jump from udating my new card and new balance on a collections.&amp;nbsp; LOL&lt;/DIV&gt;</description>
      <pubDate>Fri, 22 Jun 2007 19:16:27 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/My-Fico-scores-are-up/m-p/21490#M15085</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2007-06-22T19:16:27Z</dc:date>
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      <title>Re: My Fico scores are up!!!</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/My-Fico-scores-are-up/m-p/21529#M15115</link>
      <description>&lt;DIV&gt;&lt;/DIV&gt;&lt;DIV&gt;&lt;BR /&gt;&lt;/DIV&gt;&lt;BLOCKQUOTE&gt;&lt;DIV&gt;&lt;HR /&gt;Boswd wrote:&lt;BR /&gt;&lt;DIV&gt;Woo Hoo&amp;nbsp; it seems that Fico is giving a lot of love lately&lt;BR /&gt;&lt;HR /&gt;&lt;/DIV&gt;&lt;/DIV&gt;&lt;/BLOCKQUOTE&gt;&lt;DIV&gt;1 - it is because of this forum&amp;nbsp; &lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;2 - the computer almost certainly has a subroutine where if too many scores go up it cuts everyone's scores by 20 points just to balance things out&amp;nbsp; &lt;img id="smileyvery-happy" class="emoticon emoticon-smileyvery-happy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-very-happy.gif" alt="Smiley Very Happy" title="Smiley Very Happy" /&gt;&lt;BR /&gt;&lt;/DIV&gt;&lt;DIV&gt;&lt;/DIV&gt;</description>
      <pubDate>Fri, 22 Jun 2007 20:12:35 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/My-Fico-scores-are-up/m-p/21529#M15115</guid>
      <dc:creator>MidnightVoice</dc:creator>
      <dc:date>2007-06-22T20:12:35Z</dc:date>
    </item>
    <item>
      <title>Re: My Fico scores are up!!!</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/My-Fico-scores-are-up/m-p/21764#M15303</link>
      <description>&lt;DIV&gt;&lt;/DIV&gt;&lt;DIV&gt;I got another 5 point today for:&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&lt;SPAN&gt;Your FICO score may have gone up because the following factor is not hurting your FICO score as much as before:&lt;BR /&gt;&lt;BR /&gt;&lt;/SPAN&gt;&lt;UL&gt;&lt;LI&gt;You have a short credit history.&lt;/LI&gt;&lt;/UL&gt;&lt;/DIV&gt;</description>
      <pubDate>Sat, 23 Jun 2007 03:23:52 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/My-Fico-scores-are-up/m-p/21764#M15303</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2007-06-23T03:23:52Z</dc:date>
    </item>
    <item>
      <title>Re: My Fico scores are up!!!</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/My-Fico-scores-are-up/m-p/21771#M15310</link>
      <description>&lt;DIV&gt;&lt;/DIV&gt;&lt;DIV&gt;&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;DIV&gt;&lt;HR /&gt;Timothy wrote:&lt;BR /&gt;&lt;DIV&gt;&lt;/DIV&gt;&lt;DIV&gt;I got another 5 point today for:&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&lt;SPAN&gt;Your FICO score may have gone up because the following factor is not hurting your FICO score as much as before:&lt;BR /&gt;&lt;BR /&gt;&lt;/SPAN&gt;&lt;UL&gt;&lt;LI&gt;You have a short credit history.&lt;/LI&gt;&lt;/UL&gt;&lt;/DIV&gt;&lt;BR /&gt;&lt;HR /&gt;&lt;/DIV&gt;&lt;/BLOCKQUOTE&gt;&lt;BR /&gt;&lt;DIV&gt;Dispute as a violation of the ECOA. &lt;img id="smileyvery-happy" class="emoticon emoticon-smileyvery-happy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-very-happy.gif" alt="Smiley Very Happy" title="Smiley Very Happy" /&gt;&lt;/DIV&gt;&lt;/DIV&gt;&lt;BR /&gt;&lt;BR /&gt;Message Edited by Noah_Bodie on &lt;SPAN class="date_text"&gt;06-22-2007&lt;/SPAN&gt; &lt;SPAN class="time_text"&gt;09:10 PM&lt;/SPAN&gt;</description>
      <pubDate>Sat, 23 Jun 2007 04:10:01 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/My-Fico-scores-are-up/m-p/21771#M15310</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2007-06-23T04:10:01Z</dc:date>
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    <item>
      <title>Re: My Fico scores are up!!!</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/My-Fico-scores-are-up/m-p/21777#M15316</link>
      <description>Excellente' !!!</description>
      <pubDate>Sat, 23 Jun 2007 04:22:28 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/My-Fico-scores-are-up/m-p/21777#M15316</guid>
      <dc:creator>MM1234</dc:creator>
      <dc:date>2007-06-23T04:22:28Z</dc:date>
    </item>
    <item>
      <title>Re: My Fico scores are up!!!</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/My-Fico-scores-are-up/m-p/21779#M15318</link>
      <description>&lt;DIV&gt;&lt;img id="smileyvery-happy" class="emoticon emoticon-smileyvery-happy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-very-happy.gif" alt="Smiley Very Happy" title="Smiley Very Happy" /&gt;&lt;DIV&gt;&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;DIV&gt;&lt;HR /&gt;Noah_Bodie wrote:&lt;BR /&gt;&lt;DIV&gt;&lt;/DIV&gt;&lt;DIV&gt;&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;DIV&gt;&lt;HR /&gt;Timothy wrote:&lt;BR /&gt;&lt;DIV&gt;&lt;/DIV&gt;&lt;DIV&gt;I got another 5 point today for:&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&lt;SPAN&gt;Your FICO score may have gone up because the following factor is not hurting your FICO score as much as before:&lt;BR /&gt;&lt;BR /&gt;&lt;/SPAN&gt;&lt;UL&gt;&lt;LI&gt;You have a short credit history.&lt;/LI&gt;&lt;/UL&gt;&lt;/DIV&gt;&lt;BR /&gt;&lt;HR /&gt;&lt;/DIV&gt;&lt;/BLOCKQUOTE&gt;&lt;BR /&gt;&lt;DIV&gt;Dispute as a violation of the ECOA. &lt;img id="smileyvery-happy" class="emoticon emoticon-smileyvery-happy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-very-happy.gif" alt="Smiley Very Happy" title="Smiley Very Happy" /&gt;&lt;/DIV&gt;&lt;/DIV&gt;&lt;BR /&gt;&lt;BR /&gt;Message Edited by Noah_Bodie on &lt;SPAN class="date_text"&gt;06-22-2007&lt;/SPAN&gt; &lt;SPAN class="time_text"&gt;09:10 PM&lt;/SPAN&gt;&lt;BR /&gt;&lt;HR /&gt;&lt;/DIV&gt;&lt;/BLOCKQUOTE&gt;&lt;BR /&gt;&lt;DIV&gt;&lt;/DIV&gt;&lt;/DIV&gt;&lt;/DIV&gt;</description>
      <pubDate>Sat, 23 Jun 2007 04:24:06 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/My-Fico-scores-are-up/m-p/21779#M15318</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2007-06-23T04:24:06Z</dc:date>
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