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788, ending '12 with my highest score to date.
My score jumped 18 points to 713. For the first time ever, I am in the 700 club across the board. My TU08 score has really been lagging behind my other scores, but it finally got above the 700 threshold. Now I can honestly tell people that I have good credit.
My Walmart TU Fico increased 5 points to 797. Got my first ever Walmart TU score last month (792) when I enrolled in paperless billing on Nov 26th. I'm happy to finally be getting this little perk!
Noooooooooooooooooooooooooooooooooooooooo....!!!!
60 points just for util hahaha the holidays are killing me damnn!!!!
@CruzImperial wrote:Noooooooooooooooooooooooooooooooooooooooo....!!!!
60 points just for util hahaha the holidays are killing me damnn!!!!
sorry to here. thats what i was wondering if this was an old pull. i mean obviosly going from 4% to 18% util would make more then a 1 point drop. since my new card hasnt reported yet. to offsett it. (1800 in extra util but a new 5k limit)
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |
@creditnocash wrote:
@CruzImperial wrote:Noooooooooooooooooooooooooooooooooooooooo....!!!!
60 points just for util hahaha the holidays are killing me damnn!!!!
sorry to here. thats what i was wondering if this was an old pull. i mean obviosly going from 4% to 18% util would make more then a 1 point drop. since my new card hasnt reported yet. to offsett it. (1800 in extra util but a new 5k limit)
They pulled the report on Dec. 3rd. Likely not a lot of black friday spending not yet posted by then.
Oct - 759
Nov- 736
Dec- 698
How is that even possible? I just checked and my reports are still clean. Accounts got older and last inqs are now 5 months old.
Nothing changed except I let a card report this month before pif. I went a little bit over 10% and it destroyed all the hard work
And I will have the same utilization next month because of the holidays so my score are pretty much done hehe...
@Repo-ed wrote:
@creditnocash wrote:
@CruzImperial wrote:Noooooooooooooooooooooooooooooooooooooooo....!!!!
60 points just for util hahaha the holidays are killing me damnn!!!!
sorry to here. thats what i was wondering if this was an old pull. i mean obviosly going from 4% to 18% util would make more then a 1 point drop. since my new card hasnt reported yet. to offsett it. (1800 in extra util but a new 5k limit)
They pulled the report on Dec. 3rd. Likely not a lot of black friday spending not yet posted by then.
my blackfriday shopping already posted on ck and on here.
my best buy statement cuts on the 27th. but its probably possible that it didnt make the cut.
hence why im saying might be old.
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |
Up 27 points to 687 this month.
Did a GE app spree (including my Walmart card) in September that dropped my score from 679 (first score I got after activating my card) to 660, looks like I got those points back after the initial 3 months and then some.