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EX EE (without asking) - FICO 8 up 106 points to 805

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Jeffster1
Valued Contributor

EX EE (without asking) - FICO 8 up 106 points to 805

Long story short...

 

I was sitting around today before the gym and started thinking about EX EE for my BK.

My 13 was filed in April 2017.

DC January 2021

 

I did some reading and was disappointed to see that EX EE of 3 months might have been a thing of the past. I decided to go over to my Experian account and tempt myself by visiting the online dispute section. I never got that far after I signed in.

 

Due to recent new accounts, I had taken a small hit in recent months on my EX FICO 8 from 718 down to 699. I'm gardening now so I wasn't too worried about it. 

As I logged in, I thought my eyes were deceiving me when I saw 805. I looked and realized that my BK is now completely gone from EX. To say I'm shocked would be an understatement. I didn't even ask for it. 

Combined with the deletion of my BK from TU back in September, I'm now at 2 out of 3 reports clean. I'm not quite sure what triggered this EE,  but I could not be happier.

 

FICO 8 (3/1/24) EX 805 EQ 824 TU 844
FICO 9 (2/17/24) EX 821 EQ 778TU 850
I practice AZEO - NEVER above 1% utilization across all cards.

Current lineup as of 9/23
American Express Gold | American Express Blue Cash Everyday 11K | American Express Blue Cash Preferred 10K I American Express Marriott Bonvoy Bevy 5K I American Express Hilton Honors Surpass 3K I Bank of America Customized Cash Rewards Visa 20K | Kinecta MyPerks Rewards MC 35K | TD Bank Double Up Visa 4K | USBank Platinum Visa 5K | BMO Harris Cash Back MasterCard 12K | Capital One SavorOne MC 3K | Capital One Walmart MC 2K | NFCU Amex 15K | NFCU CashRewards Visa 15K I Citi Best Buy Visa 10K I Macy’s Amex 4K I Bread Financial American Express 8K l AAA Daily Advantage Visa Signature 6K I Wells Fargo BILT World Elite MC 30K I BCU Cash Rewards Visa 8K I Chevron Techron Advantage Visa 2.5K I JCPenney Mastercard $6K I UCLA Wescom CU Rewards Visa 7K I
Message 1 of 9
8 REPLIES 8
EAT_SLEEP_JEEP
Valued Contributor

Re: EX EE (without asking) - FICO 8 up 106 points to 805

Congrats that has to be a great feeling. Waiting on EQ and EX to clear up from my bk7 in 2014 end of this year for me as well.

KEEPER EVERYDAY CARDS/ AMEX CHARLES SCHWAB PLATINUM NPSL/ AMEX GOLD NPSL / AMEX GREEN NPSL/ AMEX EVERYDAY PREFERRED $30,000 CL/ AMEX BLUE BUSINESS PLUS $5000 SL/ AMEX BLUE CASH EVERYDAY $6000 / FIDELITY REWARDS VISA $23,500 SL/ NFCU FLAGSHIP $38,000 CL/ NFCU MORE REWARDS $33,000 /

SOCKDRAWERED FNBO JEEP CARD $7700/ WELLS FARGO ACTIVE CASH $8200/ CAPITAL ONE QUICKSILVER $3000 SL/ APPLE CARD $6500/ / PAYPAL CREDIT LINE $1700
Message 2 of 9
Jeffster1
Valued Contributor

Re: EX EE (without asking) - FICO 8 up 106 points to 805


@EAT_SLEEP_JEEP wrote:

Congrats that has to be a great feeling. Waiting on EQ and EX to clear up from my bk7 in 2014 end of this year for me as well.


Thanks, @EAT_SLEEP_JEEP . The time will fly by. 

Interestingly, when I pull up my EQ on their site or on Annualcredirreport.com, it says I have no BK on record, but my low 700s EQ FICO 8 tells me otherwise. I'd like to call EQ and find out why it's not showing but I'm not really excited about the prospect of poking the EQ bear. 

I need to be satisfied with this early present from EX.

 

FICO 8 (3/1/24) EX 805 EQ 824 TU 844
FICO 9 (2/17/24) EX 821 EQ 778TU 850
I practice AZEO - NEVER above 1% utilization across all cards.

Current lineup as of 9/23
American Express Gold | American Express Blue Cash Everyday 11K | American Express Blue Cash Preferred 10K I American Express Marriott Bonvoy Bevy 5K I American Express Hilton Honors Surpass 3K I Bank of America Customized Cash Rewards Visa 20K | Kinecta MyPerks Rewards MC 35K | TD Bank Double Up Visa 4K | USBank Platinum Visa 5K | BMO Harris Cash Back MasterCard 12K | Capital One SavorOne MC 3K | Capital One Walmart MC 2K | NFCU Amex 15K | NFCU CashRewards Visa 15K I Citi Best Buy Visa 10K I Macy’s Amex 4K I Bread Financial American Express 8K l AAA Daily Advantage Visa Signature 6K I Wells Fargo BILT World Elite MC 30K I BCU Cash Rewards Visa 8K I Chevron Techron Advantage Visa 2.5K I JCPenney Mastercard $6K I UCLA Wescom CU Rewards Visa 7K I
Message 3 of 9
CYBERSAM
Senior Contributor

Re: EX EE (without asking) - FICO 8 up 106 points to 805

Amazing job, congrats on your success. 👏🎉







                
Message 4 of 9
JoeRockhead
Senior Contributor

Re: EX EE (without asking) - FICO 8 up 106 points to 805

Very nice, congratulations! 

Message 5 of 9
SouthJamaica
Mega Contributor

Re: EX EE (without asking) - FICO 8 up 106 points to 805

Congratulations. A nice surprise.


Total revolving limits 741200 (620700 reporting) FICO 8: EQ 703 TU 704 EX 687

Message 6 of 9
Jeffster1
Valued Contributor

Re: EX EE (without asking) - FICO 8 up 106 points to 805

Based on @Creditwiser's post in another sub-forum, it looks like Experian granted early EE to a lot of us. 

Definitely a nice surprise! 

FICO 8 (3/1/24) EX 805 EQ 824 TU 844
FICO 9 (2/17/24) EX 821 EQ 778TU 850
I practice AZEO - NEVER above 1% utilization across all cards.

Current lineup as of 9/23
American Express Gold | American Express Blue Cash Everyday 11K | American Express Blue Cash Preferred 10K I American Express Marriott Bonvoy Bevy 5K I American Express Hilton Honors Surpass 3K I Bank of America Customized Cash Rewards Visa 20K | Kinecta MyPerks Rewards MC 35K | TD Bank Double Up Visa 4K | USBank Platinum Visa 5K | BMO Harris Cash Back MasterCard 12K | Capital One SavorOne MC 3K | Capital One Walmart MC 2K | NFCU Amex 15K | NFCU CashRewards Visa 15K I Citi Best Buy Visa 10K I Macy’s Amex 4K I Bread Financial American Express 8K l AAA Daily Advantage Visa Signature 6K I Wells Fargo BILT World Elite MC 30K I BCU Cash Rewards Visa 8K I Chevron Techron Advantage Visa 2.5K I JCPenney Mastercard $6K I UCLA Wescom CU Rewards Visa 7K I
Message 7 of 9
Zoostation1
Established Contributor

Re: EX EE (without asking) - FICO 8 up 106 points to 805

@Jeffster1EQ is weird.  I still have 3yrs 9 months left till I've got a clean report (not accounting for any potential EE), but for every EQ report I've pulled via annualcreditreport it's never once shown my BK7.  Reports from myFICO reflect it and my EQ8  score definitely reflects it at 691, but can't figure out why it's never been referenced on my annualcreditreport pulls.

Rebuild Started Nov 2021
June 2022 FICO 8:
June 2022 FICO 9:
April 2024 FICO 8:
April 2024 FICO 9:
Message 8 of 9
Jeffster1
Valued Contributor

Re: EX EE (without asking) - FICO 8 up 106 points to 805

@Zoostation1

 

EQ is,indeed, weird. I went back to update my post above referencing EQ but it was too late. I was wrong in that, just like yours, the BK does show on the EQ site itself. And, just like yours, it does not show on my EQ pulled via annualcreditreport.com. So strange. 

Another EQ oddity...Last year, I couldn't access EQ from annual credit report.com for a few months. However, I could access it via MyFico and Experian.com. I called EQ and they told me that...somehow...the suffix "III" was added to my name. They would not tell me how but the rep hinted that it was connected to a loan. I only had one...a SSL that I opened in early 2021. I called them to ask if I was being repeoted as a "III" (akaThe Third), and they were like, "Umm...no. 🙄"

 

Then, suddenly...thankfully...it seemed to resolve itself. 

FICO 8 (3/1/24) EX 805 EQ 824 TU 844
FICO 9 (2/17/24) EX 821 EQ 778TU 850
I practice AZEO - NEVER above 1% utilization across all cards.

Current lineup as of 9/23
American Express Gold | American Express Blue Cash Everyday 11K | American Express Blue Cash Preferred 10K I American Express Marriott Bonvoy Bevy 5K I American Express Hilton Honors Surpass 3K I Bank of America Customized Cash Rewards Visa 20K | Kinecta MyPerks Rewards MC 35K | TD Bank Double Up Visa 4K | USBank Platinum Visa 5K | BMO Harris Cash Back MasterCard 12K | Capital One SavorOne MC 3K | Capital One Walmart MC 2K | NFCU Amex 15K | NFCU CashRewards Visa 15K I Citi Best Buy Visa 10K I Macy’s Amex 4K I Bread Financial American Express 8K l AAA Daily Advantage Visa Signature 6K I Wells Fargo BILT World Elite MC 30K I BCU Cash Rewards Visa 8K I Chevron Techron Advantage Visa 2.5K I JCPenney Mastercard $6K I UCLA Wescom CU Rewards Visa 7K I
Message 9 of 9
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