Just checked Credit Karma and my "TU-based" score had soard 32 points, even after my Sallie Mae hp is showing! That's because my new Cap1 increases showed up, reducing my util 9% - from 30% to 21%. I'm just excited that any negative effects of my mini-spree are eclipsed by the positive ones. And when I hit under 10% util when the new lines show up, that bump should make up for any "new account" ding. I have to say I like the FICO scoring model at this point! 
@Bman70 wrote:
Just checked Credit Karma and my "TU-based" score had soard 32 points, even after my Sallie Mae hp is showing! That's because my new Cap1 increases showed up, reducing my util 9% - from 30% to 21%. I'm just excited that any negative effects of my mini-spree are eclipsed by the positive ones. And when I hit under 10% util when the new lines show up, that bump should make up for any "new account" ding. I have to say I like the FICO scoring model at this point!
CK is not a Fico score it is the TU New Accounts Model....
@gdale6 wrote:
@Bman70 wrote:
Just checked Credit Karma and my "TU-based" score had soard 32 points, even after my Sallie Mae hp is showing! That's because my new Cap1 increases showed up, reducing my util 9% - from 30% to 21%. I'm just excited that any negative effects of my mini-spree are eclipsed by the positive ones. And when I hit under 10% util when the new lines show up, that bump should make up for any "new account" ding. I have to say I like the FICO scoring model at this point!
CK is not a Fico score it is the TU New Accounts Model....
Oops I knew that, however it tends to hang 40 or 50 points under my FICO, so hopefully my FICO will experience similar levitation
@Bman70 wrote:
@gdale6 wrote:
@Bman70 wrote:
Just checked Credit Karma and my "TU-based" score had soard 32 points, even after my Sallie Mae hp is showing! That's because my new Cap1 increases showed up, reducing my util 9% - from 30% to 21%. I'm just excited that any negative effects of my mini-spree are eclipsed by the positive ones. And when I hit under 10% util when the new lines show up, that bump should make up for any "new account" ding. I have to say I like the FICO scoring model at this point!
CK is not a Fico score it is the TU New Accounts Model....
Oops I knew that, however it tends to hang 40 or 50 points under my FICO, so hopefully my FICO will experience similar levitation
LOL, ok as long as you know its not the real deal. If you dropped your util you are most likely to see some rise in Fico, good luck
@Bman70 wrote:
@gdale6 wrote:
@Bman70 wrote:
Just checked Credit Karma and my "TU-based" score had soard 32 points, even after my Sallie Mae hp is showing! That's because my new Cap1 increases showed up, reducing my util 9% - from 30% to 21%. I'm just excited that any negative effects of my mini-spree are eclipsed by the positive ones. And when I hit under 10% util when the new lines show up, that bump should make up for any "new account" ding. I have to say I like the FICO scoring model at this point!
CK is not a Fico score it is the TU New Accounts Model....
Oops I knew that, however it tends to hang 40 or 50 points under my FICO, so hopefully my FICO will experience similar levitation
Nice going Bman, Congrats
Congrats!
Starting Score: 611 (02/28/2014 EQ MyFico) 608 (Barclays TU 03/28/14)
congrats
This does happen it happend to my dad when he got 2 new CC it bumped him 15 points.
Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200
This thread title is misleading and causing confusion unfortunately: changed it.
