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What affect-if any-on scores

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anderl
Frequent Contributor

What affect-if any-on scores

Added a couple of Amex accounts-both will be backdated which will take me from an AAoA OF 5.2yrs to very close to an AAoA of 7yrs- also paid a big chunk of my cc debt off whiich will bring my utilities from 52% to 28%- my scores now are sitting @700 except EQ which is @680-my total length of ACC History is 16yrs- I've heard/read of rebucketing and am still not clear on that either- could I expect a score bump of,say 10/15pts maybe?(he says, hoping,Smiley Surprised as he REALLY wants to get his scores all over 750 before he purchases a home)-lolSmiley Surprised

Amex Platinum Charge(NPSL); Starwood Amex Preferred CC(20K CL); Diners Club ELITE MC(20K);Diners Club Premier MC(20K,could've sworn the rep said 25k, oh well lol);Delta Amex Reserve CC(21K CL); Amex PRG Charge(NPSL); United Presidential Plus Chase World Elite MC (15K CL); AARP Chase Visa Signature(35K CL); NFCU Visa Platinum(20K CL) NFCU LOC(15K); NFCU Go Rewards MC(17.5K); Disover IT 7.8K;
First Tech Federal Visa Platinum(15K CL); Simmons First Visa Platinum(9K CL); Wells Fargo Visa Platinum(7.5K CL); CitiBank Sears MC(6K CL); JCPenney Card(7.5K CL); Lowes(2.5K CL);Barclays Mile & More Lufthansa 12.5K.
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vish1
Valued Contributor

Re: What affect-if any-on scores

I expect a boost in your scores.

Citi Hilton Reserve 22.3K | Citi Thank You 8.2K | CSP 15.5K | Chase Freedom 10K | Chase BA 15K | Chase United 8.5K | Chase Marriott 5K | Discover IT 9K | Club Carlson 13K | Amex SPG 20K | BofA Cash Rewards 11K | BofA Cash Rewards 50K
Message 2 of 4
visorboy1974
Valued Contributor

Re: What affect-if any-on scores

 


@vish1 wrote:

I expect a boost in your scores.


+1

 

FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818
Message 3 of 4
pritchardhallhokie
Frequent Contributor

Re: What affect-if any-on scores

You HAVE TO promise to let us know the actual increase.  I'm gonna throw in my guess as 27 points.  I think AAOA might add like 5 ish points and at least 20 points from the UTI decrease.  I'm tempted to say even more of an increase in score, but I'll go w/ 27 for now.  Smiley Happy

 

When you find out, please reply to this post!


Starting Score: 584TU / 580EQ
Current Score: 670 TU / 680EQ
Goal Score: 720 TU / 720 EQ


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