topic Re: Finally have a FICO score over 700!!’ in Rebuilding Your Credit

Finally have a FICO score over 700!!’

collics — Fri, 01 Apr 2022 19:03:17 GMT

No clue what could cause a 36 point jump / increase. Already had utilization at 2%. No baddies have been removed.

Not complaining tho. Unsure if the other bureaus will increase as well.

Im gonna enjoy this while it last before my Savor card starts reporting lol

Re: Finally have a FICO score over 700!!’

gdale6 — Fri, 01 Apr 2022 19:05:31 GMT

Nice, welcome to the 700 club

Re: Finally have a FICO score over 700!!’

alloveragain3boys — Fri, 01 Apr 2022 19:07:15 GMT

wwoooot wwwoooooooottt!! Congrats on reaching a big milestone!

Re: Finally have a FICO score over 700!!’

CYBERSAM — Fri, 01 Apr 2022 19:21:03 GMT

Congrats on your rebuild! Awesome job👍👍

That BK should be gone soon. 👏

Re: Finally have a FICO score over 700!!’

GApeachy — Fri, 01 Apr 2022 19:39:51 GMT

Gotta luv that yellow! Congrats @collics

...but no clue? Have you pulled your ACR's?

Re: Finally have a FICO score over 700!!’

collics — Fri, 01 Apr 2022 19:55:50 GMT

@GApeachy wrote:
Gotta luv that yellow! Congrats @collics
...but no clue? Have you pulled your ACR's?

The only change myFico alerted was a balance decrease on one of my cards of $50

Re: Finally have a FICO score over 700!!’

GApeachy — Fri, 01 Apr 2022 20:05:29 GMT

@collics If you pull your ACR you can compare lates, etc. Something may have fallen off or aged that is not yet reflected. Do you subscribe to Wallethub? (Transunion) Generally there and CK will alert you to positive/negative changes pretty quickly.

Re: Finally have a FICO score over 700!!’

collics — Fri, 01 Apr 2022 20:15:56 GMT

@GApeachy wrote:
@collics If you pull your ACR you can compare lates, etc. Something may have fallen off or aged that is not yet reflected. Do you subscribe to Wallethub? (Transunion) Generally there and CK will alert you to positive/negative changes pretty quickly.

I'll do that bc I just got another alert for EQ and got a 6pt increase. That's a major different from 36. So something else must have changed on TU.

Re: Finally have a FICO score over 700!!’

collics — Sat, 02 Apr 2022 22:17:23 GMT

Guess EQ wasn't done just yet. Another 38 point increase. 44 total.

(TU always higher due to the BK no longer reporting on it)

No comment on EX.

Re: Finally have a FICO score over 700!!’

lovebackwards — Fri, 08 Apr 2022 21:34:18 GMT

@collics wrote:
No clue what could cause a 36 point jump / increase. Already had utilization at 2%. No baddies have been removed.

Not complaining tho. Unsure if the other bureaus will increase as well.

Im gonna enjoy this while it last before my Savor card starts reporting lol

That's awesome. Congrats on your milestone!

Re: Finally have a FICO score over 700!!’

donkort — Sat, 09 Apr 2022 00:15:13 GMT

Now get the other two to 700!

But you're doing well!

Re: Finally have a FICO score over 700!!’

collics — Sat, 09 Apr 2022 00:26:41 GMT

Thanks everyone!

Experian finally decided to join the part albeit still lagging

Re: Finally have a FICO score over 700!!’

GoHooterGo — Sat, 09 Apr 2022 11:20:55 GMT

How are you getting so many score updates?

I'm not a myfico member, as I've been using the Experian membership, and ai only get daily on Experian and monthly on the other 2.

Re: Finally have a FICO score over 700!!’

FireMedic1 — Sat, 09 Apr 2022 11:24:26 GMT

Congrats @collics

Re: Finally have a FICO score over 700!!’

collics — Sat, 09 Apr 2022 13:50:30 GMT

@GoHooterGo wrote:
How are you getting so many score updates?

I'm not a myfico member, as I've been using the Experian membership, and ai only get daily on Experian and monthly on the other 2.

I believe MyFICO updates Fico 8 whenever there are changes, anytime.
it updates the other score versions once per month .
And updates the actual reports once per month.
It's also about twice the cost of Experian membership :-(

Re: Finally have a FICO score over 700!!’

GoHooterGo — Sat, 09 Apr 2022 16:37:33 GMT

@collics wrote:
@GoHooterGo wrote:
How are you getting so many score updates?

I'm not a myfico member, as I've been using the Experian membership, and ai only get daily on Experian and monthly on the other 2.
I believe MyFICO updates Fico 8 whenever there are changes, anytime.
it updates the other score versions once per month .
And updates the actual reports once per month.
It's also about twice the cost of Experian membership :-(

I signed up today so far I like it. I like the fact it'll update the score on a alertable event.

Don't like the way it lays out the actual credit reports tho

Re: Finally have a FICO score over 700!!’

bass_playr — Mon, 11 Apr 2022 17:41:59 GMT

Just recently joined the club myself!! I know exactly what needs to happen next to get those other two to climb up and we're doing it as we speak.

Re: Finally have a FICO score over 700!!’

Rknight1585 — Fri, 15 Apr 2022 07:44:56 GMT

Congrats!!!!