topic Re: Gradual Score Increases or BIG jumps? in General Credit Topics

Gradual Score Increases or BIG jumps?

maxq — Tue, 15 Jan 2008 14:12:29 GMT

Just wondering what some of your scores have done over the last year? It's a new year and I wanted to go back and see what mine were a year ago and I was very surprised. I knew it was a lower number but didn't realize the last year proved to be a very good year for me as far as my FICO score.

So what are your increases?

Mine were gradual increases. I did have 2 jumps of 20pts over a 2 month period. Overall I have moved up over 100 points in 1 year time.

Went from a 613 to now a 723.

Re: Gradual Score Increases or BIG jumps?

Anonymous — Tue, 15 Jan 2008 14:52:41 GMT

My EX score Nov/Dec 06 was 480 Jan08 at 729 that is 249 points-

I will update TU and EQ when they actually finish updating-

Re: Gradual Score Increases or BIG jumps?

Anonymous — Tue, 15 Jan 2008 15:01:40 GMT

Holy cow Timothy, how did you get such a big jump???

Unfortunately, my scores have gone down in the last year, since I boo-booed and closed 2 ccs with balances. But, dh's are going up.

We seem to have random months with a 2-3 point change, then larger 10-30 point jumps. Dh's has gone up 100 points since march or so, with 40 of those points being since Dec 31st.

Re: Gradual Score Increases or BIG jumps?

MidnightVoice — Tue, 15 Jan 2008 15:02:05 GMT

Re: Gradual Score Increases or BIG jumps?

maxq — Tue, 15 Jan 2008 15:14:42 GMT

some great increases there guys! what caused those big jumps? that might something else to share with everyone... my moves were gradual, mainly because i paid consistently and more than the minimum...

Re: Gradual Score Increases or BIG jumps?

Anonymous — Tue, 15 Jan 2008 15:22:21 GMT

You will need to seach to get the detail-

34 lates to 5, all CA's gone, several derog TL's gone, UTL to <3%, increased availible credit from 2500 to about 40K., number of account with balances reduced. The INQ's and time are they only thing that will help EXP for awhile-

annah wrote:

Holy cow Timothy, how did you get such a big jump???

Unfortunately, my scores have gone down in the last year, since I boo-booed and closed 2 ccs with balances. But, dh's are going up.

We seem to have random months with a 2-3 point change, then larger 10-30 point jumps. Dh's has gone up 100 points since march or so, with 40 of those points being since Dec 31st.

Re: Gradual Score Increases or BIG jumps?

Anonymous — Tue, 15 Jan 2008 17:52:56 GMT

I had a few jumps in the beginning but now it's a fight for 1 here and 2 there. I have big dips and rebounds but increases are 1-3 points and slow.

Re: Gradual Score Increases or BIG jumps?

Anonymous — Tue, 15 Jan 2008 18:09:06 GMT

This is the first time I've ever gotten this message from FICO concerning my score.... does this mean there is nothing left to strive for? I'm at a loss.....

What’s hurting your FICO® score

Because your FICO® score is exceptionally high, there are no actionable negative factors present with your score. Continue to manage your credit as you currently are doing to maintain your very high FICO® score.

There are no negative reasons significantly affecting your FICO® Score.

Re: Gradual Score Increases or BIG jumps?

MidnightVoice — Tue, 15 Jan 2008 18:14:41 GMT

snookie wrote:
This is the first time I've ever gotten this message from FICO concerning my score.... does this mean there is nothing left to strive for? I'm at a loss.....
What’s hurting your FICO® score
Because your FICO® score is exceptionally high, there are no actionable negative factors present with your score. Continue to manage your credit as you currently are doing to maintain your very high FICO® score.
There are no negative reasons significantly affecting your FICO® Score.

Nice isn't it?

No go for the perfect 850

Re: Gradual Score Increases or BIG jumps?

Anonymous — Tue, 15 Jan 2008 18:16:09 GMT

Snookie - don't complain about having EXCELLENT credit and don't mess anything up! Gosh I wish I were in your shoes....

Re: Gradual Score Increases or BIG jumps?

Anonymous — Wed, 16 Jan 2008 00:50:03 GMT

Wow that's Awesome!! I would like to begin to say I am not a bit jealoous but in fact would like to congratulate you on your achievement! This is actualy my first time on this forum and reading your post gives me hope that I too can improve my fico score. I am on here looking for a solution, so here is what Im dealing with. Two years ago I had 5 accounts in collections with 3 of those, fraudulant accounts and (2) that were mine which were charged off with a remaining balance of ($150). I called all three Bureaus and Equifax, was willing to help. I spoke with their representative and explained to them I was a victim of Identity theft and she was sympathetic to my story and removed the items from my report. However, three months later the deleted items appeared on my report again. My question is what can I do to have these removed once more and what steps did you take to remove all files from your report in two months period.

Re: Gradual Score Increases or BIG jumps?

Junejer — Wed, 16 Jan 2008 00:59:25 GMT

Hi Foxy. Welcome. Feel free to start your own thread. Copy and paste your message and add some more details as in dates and creditors if you feel like it. You will have more opportunities to get responses.

Re: Gradual Score Increases or BIG jumps?

Anonymous — Wed, 16 Jan 2008 01:03:48 GMT

I went from 618 to 654 on EQ in one WEEK! WOOHOO! Those silly old Student Loans from 2001 fell off! Otherwise, that's up from 490 EQ since September 05.

Slow and steady wins the race, right?

(PS -- the SLs haven't fallen off TU and EX yet... waiting.. waiting... waiting...)

Re: Gradual Score Increases or BIG jumps?

Junejer — Wed, 16 Jan 2008 01:08:35 GMT

Nice movement Peas. I wish that I knew what my scores were when I started repairing last May/June. I knew the scores were horrible and didn't know that I could get all three of my real FICOs w/o applying for a mortgage. Wish I knew about this site then. Anyway. In June, all three of my CRs looked the same. I venture to say that I was in the low 500s at best on all three. EQ has taken off big time. Waiting on the others to catch up.

Re: Gradual Score Increases or BIG jumps?

Anonymous — Wed, 16 Jan 2008 01:18:39 GMT

Thanks!

Do you think there's a way we could bribe these people?

It's odd, last I was just asking questions (in the installment, mtg, auto section) about when they should fall off and POOF today, EQ says they're gone! All 13 of them! (I'm still in shock.)

Okay I dug up a bit more history (all FICOS):

6/17/05: EQ440 TU476 EX495

1/15/08: EQ654 TU654 EX653

Re: Gradual Score Increases or BIG jumps?

Junejer — Wed, 16 Jan 2008 02:01:29 GMT

Peas, I would settle for TU actually doing their job and do a real investigation. If they did that, they would realize that they are reporting in error.

Re: Gradual Score Increases or BIG jumps?

zep — Wed, 16 Jan 2008 02:07:58 GMT

Does anybody know what the increase is (in points) when a BK13 drops off???