Got some positive alerts from myFICO. EQ went from 706 to 716 and EX went from 708 to 713 and TU went from 685 to 694...
These increases have me stoked. I don't think I've ever had these credit scores this high. Closing on the 720s for all 3 and I would be thrilled if they just kept climbing.
Funny thing is that the Util % of my card went from 21% to 15% BUT my wife's went from 20% to 30% yet my scores went up! I guess DW's Util isn't factored into my own scores?
Congratulations and good luck on your continued credit journey!
@akula wrote:
Are you an AU on your wife's card? If so, her utilization would impact your score. Otherwise, I am not understanding why you would believe your DW credit has anything to do with your own.
Yes, I am an AU on my wife's as she is an AU on mine. What I failed to mention is that she hasn't used my account and I haven't used her account. She is just an AU and received a card that is locked away. Same situation with my card under her account. Maybe that's why my scores are increasing?