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    <title>topic Woke up to a 728 on Experian a 79 Point Increase and I have done nothing.... in Rebuilding Your Credit</title>
    <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Woke-up-to-a-728-on-Experian-a-79-Point-Increase-and-I-have-done/m-p/6488371#M656208</link>
    <description>&lt;P&gt;&lt;span class="lia-inline-image-display-wrapper lia-image-align-inline" image-alt="Screen Shot 2022-02-10 at 11.05.37 AM.png" style="width: 999px;"&gt;&lt;img src="https://ficoforums.myfico.com/t5/image/serverpage/image-id/80034iD46DFF08D673BF87/image-size/large?v=v2&amp;amp;px=999" role="button" title="Screen Shot 2022-02-10 at 11.05.37 AM.png" alt="Screen Shot 2022-02-10 at 11.05.37 AM.png" /&gt;&lt;/span&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;As per my morning routine I check my credit monitoring and was - SHOCKED !!!- to see my &amp;nbsp;Experian was a 728. &amp;nbsp;I thought that Discover came off - but I got a letter from Experian talking about they were not going to do a dispute. So &amp;nbsp;I logged in to Experian and checked my report and it is still there. So -when - I get Experian off I should be at a 800 there.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;I included a screen shot &amp;nbsp;because Experian said I had 4 report changes????&lt;/P&gt;&lt;P&gt;&amp;nbsp;I dont carry balances because it is expensive to carring balances. I am bewildered to what happen. I will take the points any way I can get them now just waiting to see if &amp;nbsp;Chase gave me some love.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Wating, wating waiting&amp;nbsp;&lt;/P&gt;</description>
    <pubDate>Thu, 10 Feb 2022 16:15:03 GMT</pubDate>
    <dc:creator>WinningEveryday</dc:creator>
    <dc:date>2022-02-10T16:15:03Z</dc:date>
    <item>
      <title>Woke up to a 728 on Experian a 79 Point Increase and I have done nothing....</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Woke-up-to-a-728-on-Experian-a-79-Point-Increase-and-I-have-done/m-p/6488371#M656208</link>
      <description>&lt;P&gt;&lt;span class="lia-inline-image-display-wrapper lia-image-align-inline" image-alt="Screen Shot 2022-02-10 at 11.05.37 AM.png" style="width: 999px;"&gt;&lt;img src="https://ficoforums.myfico.com/t5/image/serverpage/image-id/80034iD46DFF08D673BF87/image-size/large?v=v2&amp;amp;px=999" role="button" title="Screen Shot 2022-02-10 at 11.05.37 AM.png" alt="Screen Shot 2022-02-10 at 11.05.37 AM.png" /&gt;&lt;/span&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;As per my morning routine I check my credit monitoring and was - SHOCKED !!!- to see my &amp;nbsp;Experian was a 728. &amp;nbsp;I thought that Discover came off - but I got a letter from Experian talking about they were not going to do a dispute. So &amp;nbsp;I logged in to Experian and checked my report and it is still there. So -when - I get Experian off I should be at a 800 there.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;I included a screen shot &amp;nbsp;because Experian said I had 4 report changes????&lt;/P&gt;&lt;P&gt;&amp;nbsp;I dont carry balances because it is expensive to carring balances. I am bewildered to what happen. I will take the points any way I can get them now just waiting to see if &amp;nbsp;Chase gave me some love.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Wating, wating waiting&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Thu, 10 Feb 2022 16:15:03 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Woke-up-to-a-728-on-Experian-a-79-Point-Increase-and-I-have-done/m-p/6488371#M656208</guid>
      <dc:creator>WinningEveryday</dc:creator>
      <dc:date>2022-02-10T16:15:03Z</dc:date>
    </item>
    <item>
      <title>Re: Woke up to a 728 on Experian a 79 Point Increase and I have done nothing....</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Woke-up-to-a-728-on-Experian-a-79-Point-Increase-and-I-have-done/m-p/6488419#M656218</link>
      <description>&lt;P&gt;Congrats on your success! 👏👍👍&lt;/P&gt;</description>
      <pubDate>Thu, 10 Feb 2022 17:19:11 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Woke-up-to-a-728-on-Experian-a-79-Point-Increase-and-I-have-done/m-p/6488419#M656218</guid>
      <dc:creator>CYBERSAM</dc:creator>
      <dc:date>2022-02-10T17:19:11Z</dc:date>
    </item>
    <item>
      <title>Re: Woke up to a 728 on Experian a 79 Point Increase and I have done nothing....</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Woke-up-to-a-728-on-Experian-a-79-Point-Increase-and-I-have-done/m-p/6488429#M656220</link>
      <description>&lt;P&gt;That's pretty cool! Motivation to get my score to that point. Congratulations&amp;nbsp;and good luck with everything.&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Thu, 10 Feb 2022 17:33:44 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Woke-up-to-a-728-on-Experian-a-79-Point-Increase-and-I-have-done/m-p/6488429#M656220</guid>
      <dc:creator>FicoCent</dc:creator>
      <dc:date>2022-02-10T17:33:44Z</dc:date>
    </item>
    <item>
      <title>Re: Woke up to a 728 on Experian a 79 Point Increase and I have done nothing....</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Woke-up-to-a-728-on-Experian-a-79-Point-Increase-and-I-have-done/m-p/6488435#M656221</link>
      <description>&lt;P&gt;&lt;span class="lia-inline-image-display-wrapper lia-image-align-inline" image-alt="Screen Shot 2022-02-10 at 12.43.13 PM.png" style="width: 400px;"&gt;&lt;img src="https://ficoforums.myfico.com/t5/image/serverpage/image-id/80036i7C73743A07C8B9D3/image-size/medium?v=v2&amp;amp;px=400" role="button" title="Screen Shot 2022-02-10 at 12.43.13 PM.png" alt="Screen Shot 2022-02-10 at 12.43.13 PM.png" /&gt;&lt;/span&gt;&lt;/P&gt;&lt;P&gt;Similar thing happen on Equifax I wonder if it sis going to happen to Transunion tomorrow? &amp;nbsp;Tried for an American Express Blue Cash got denied. They hit me on Exp and TU &amp;nbsp;so I need to get that last derog off before trying &amp;nbsp;for any more prime cards. Looking to be in the high 700s in about 6 months when Discover falls off or sooner if I can get it off.&lt;/P&gt;</description>
      <pubDate>Fri, 11 Feb 2022 00:10:47 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Woke-up-to-a-728-on-Experian-a-79-Point-Increase-and-I-have-done/m-p/6488435#M656221</guid>
      <dc:creator>WinningEveryday</dc:creator>
      <dc:date>2022-02-11T00:10:47Z</dc:date>
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