topic Re: 26 point bump on EQ in General Credit Topics

26 point bump on EQ

chartley3 — Tue, 26 Jun 2007 21:54:46 GMT

Just got a scorewatch and got a 26 point jump due to my one CC reporting a $13 balance on a $300 limit. I just hope when the other 2 report at the end of the week I can see another huge bump.

Re: 26 point bump on EQ

Anonymous — Tue, 26 Jun 2007 21:55:26 GMT

Well Amen to that! Congratulations!

Re: 26 point bump on EQ

Anonymous — Tue, 26 Jun 2007 21:55:47 GMT

congrads!!!!

Re: 26 point bump on EQ

Anonymous — Tue, 26 Jun 2007 21:57:02 GMT

outstanding!

Re: 26 point bump on EQ

fused — Tue, 26 Jun 2007 21:57:31 GMT

That is the util game, fun when you win!

Re: 26 point bump on EQ

Anonymous — Tue, 26 Jun 2007 22:08:33 GMT

Don't hold your breath waiting on TU....been waiting on them to make a couple updates for what seems like forever. The other two have already updated.

Re: 26 point bump on EQ

chartley3 — Tue, 26 Jun 2007 22:10:07 GMT

My only question is if I keep them at the 1-9% util range every month will the score keep going up or will it stagnate. I really want to get my EQ over the 600 bump. Its at 500 now with the jump. If I get another 40-50 point jump when my other 2 cards report on the 2nd, will they bump up again the following month?

Re: 26 point bump on EQ

MidnightVoice — Tue, 26 Jun 2007 22:11:03 GMT

ObsessedwithmyFico wrote:
Don't hold your breath waiting on TU....been waiting on them to make a couple updates for what seems like forever. The other two have already updated.

Hey - TU loves me. They might be slow, but they give me my highest score

Re: 26 point bump on EQ

fused — Tue, 26 Jun 2007 22:30:31 GMT

chartley3 wrote:
My only question is if I keep them at the 1-9% util range every month will the score keep going up or will it stagnate. I really want to get my EQ over the 600 bump. Its at 500 now with the jump. If I get another 40-50 point jump when my other 2 cards report on the 2nd, will they bump up again the following month?

I would not expect much of a change. It's just one more month of util at 1-9% and one more month of on time payments. Since your scores are low, I suspect you have a number of baddies on your reports. Do you what they are? Are they lates, COs, CAs, judgments??? Getting any baddie deleted will improve your scores.

Re: 26 point bump on EQ

mamabear — Wed, 27 Jun 2007 01:37:07 GMT

That's great! Did your scorewatch come right away or was there a delay?

Re: 26 point bump on EQ

chartley3 — Wed, 27 Jun 2007 02:14:55 GMT

I have a 9 yr old BK and a 2 yr old paid lien on my report with a mixture of some medical collections and a couple lates. Any collections that I had have been paid in full. I was thinking of going the GW route to see if I can get them removed since most are over 4 yrs old. The funny thing is my TU and EX are 75 points higher then EQ. So im hoping with the util drop both of those will be over 600. As for Scorewatch. It alerted me today and I was informed by my CCC that they reported the balance on the 22nd.

Re: 26 point bump on EQ

Anonymous — Wed, 27 Jun 2007 02:25:51 GMT

If I had not just finished reading the ethics thread- I would tell you waht I would do with those paid CA's

This is what I get for applying w/ CCCU.

chartley3 wrote:
I have a 9 yr old BK and a 2 yr old paid lien on my report with a mixture of some medical collections and a couple lates. Any collections that I had have been paid in full. I was thinking of going the GW route to see if I can get them removed since most are over 4 yrs old. The funny thing is my TU and EX are 75 points higher then EQ. So im hoping with the util drop both of those will be over 600. As for Scorewatch. It alerted me today and I was informed by my CCC that they reported the balance on the 22nd.

Re: 26 point bump on EQ

Anonymous — Wed, 27 Jun 2007 03:10:25 GMT

Timothy, How did you do with CCCU?

Re: 26 point bump on EQ

Anonymous — Wed, 27 Jun 2007 06:26:13 GMT

Still waiting- I hear it takes them about a week

They are behind in their prossessing. Hoping for 3-5K

so_confused wrote:
Timothy, How did you do with CCCU?

Re: 26 point bump on EQ

Bruiser — Wed, 27 Jun 2007 06:37:24 GMT

Timothy wrote:
Still waiting- I hear it takes them about a week

They are behind in their prossessing. Hoping for 3-5K
so_confused wrote:
Timothy, How did you do with CCCU?

yeah, i just called them today and they said I'm at about 3 days now

they said there was a huge jump in the number of apps recently

i noticed they pulled my EX report yesterday,..so I'm hoping i get approved

i asked for 5k

Re: 26 point bump on EQ

Anonymous — Wed, 27 Jun 2007 08:09:30 GMT

congrats on your big point improvement. Util really is an area where we have the most control over making our score go up. Low util and on time payments on a reular basis will improve but not so quickly as the initial effect. Over time you will also get more points as they age.

Re: 26 point bump on EQ

Anonymous — Wed, 27 Jun 2007 13:39:13 GMT

LOL!!!!

Timothy wrote:
If I had not just finished reading the ethics thread- I would tell you waht I would do with those paid CA's

This is what I get for applying w/ CCCU.