@Anonymous I am very curious myself. Hopefully puts me in 800 + range.
@Anonymous wrote:Update: the card updated on my EX8 per the Experian website. I haven't received an increase. Not one point. I haven't received any alerts from myFico yet, so I'm not sure if there's a delay. I'm thinking its because I have a dirty file my AOOA and AOORA dont matter. It should help more next year when I'm rebucketed to a clean profile.
@Harvey26 have you gotten any updates? I need to look at the fico 8 scoring primer again.
The balance itself won't give you any increase, it's the changes in utilization that will. So if you're already sub-9.5% aggregate utilization/30% on the card, you won't get a scoring benefit from the higher limit.
as of 1/1/23
@Anonymous the statement has not yet closed so no update yet but I was able to do a product change from a mastercard to a visa succesfully. Statement closes on the 25th so we shall see!
Congrats on your approval!
@Anonymous wrote:@ccquest I wasn't hoping for an increase from lower utilization. I just hoped changing my responsibility level and getting the benefit of the account age 38 years, would have been worth a few points. Again, probably due to my dirty profile. Any thoughts?
Oh duh, I forgot that very important part of this equation! Does it show the full history on the credit report or just the new line and a Sept/Aug date? If it's the latter, you probably won't be getting what you hope for.
@Anonymous I only gained 3 points on EX.... hope to see more of a jump on the others.