Gradual Score Increases or BIG jumps?

[maxq]

Just wondering what some of your scores have done over the last year? It's a new year and I wanted to go back and see what mine were a year ago and I was very surprised. I knew it was a lower number but didn't realize the last year proved to be a very good year for me as far as my FICO score.

So what are your increases?

Mine were gradual increases. I did have 2 jumps of 20pts over a 2 month period. Overall I have moved up over 100 points in 1 year time.

Went from a 613 to now a 723.

[Anonymous]

My EX score Nov/Dec 06 was 480 Jan08 at 729 that is 249 points-

I will update TU and EQ  when they actually finish updating-

[annah]

Holy cow Timothy, how did you get such a big jump???

Unfortunately, my scores have gone down in the last year, since I boo-booed and closed 2 ccs with balances. But, dh's are going up.

We seem to have random months with a 2-3 point change, then larger 10-30 point jumps. Dh's has gone up 100 points since march or so, with 40 of those points being since Dec 31st.

[MidnightVoice]

[maxq]

some great increases there guys! what caused those big jumps? that might something else to share with everyone... my moves were gradual, mainly because i paid consistently and more than the minimum...

[Anonymous]

You will need to seach to get the detail-

34 lates to 5, all CA's gone, several derog TL's gone, UTL to <3%, increased availible credit from 2500 to about 40K., number of account with balances reduced.  The INQ's and time are they only thing that will help EXP for awhile-  

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annah wrote:

Holy cow Timothy, how did you get such a big jump???

Unfortunately, my scores have gone down in the last year, since I boo-booed and closed 2 ccs with balances. But, dh's are going up.

We seem to have random months with a 2-3 point change, then larger 10-30 point jumps. Dh's has gone up 100 points since march or so, with 40 of those points being since Dec 31st.

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[Anonymous]

I had a few jumps in the beginning but now it's a fight for 1 here and 2 there. I have big dips and rebounds but increases are 1-3 points and slow.

[Anonymous]

  This is the first time I've ever gotten this message from FICO concerning my score....  does this mean there is nothing left to strive for?   I'm at a loss..... 

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                       What’s hurting your FICO® score

Because your FICO® score is exceptionally high, there are no actionable negative factors present with your score. Continue to manage your credit as you currently are doing to maintain your very high FICO® score.

1. There are no negative reasons significantly affecting your FICO® Score.

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[MidnightVoice]

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snookie wrote:

  This is the first time I've ever gotten this message from FICO concerning my score....  does this mean there is nothing left to strive for?   I'm at a loss..... 

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                       What’s hurting your FICO® score

Because your FICO® score is exceptionally high, there are no actionable negative factors present with your score. Continue to manage your credit as you currently are doing to maintain your very high FICO® score.

1. There are no negative reasons significantly affecting your FICO® Score.

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Nice isn't it? 

No go for the perfect 850 

[Anonymous]

Snookie - don't complain about having EXCELLENT credit and don't mess anything up!  Gosh I wish I were in your shoes....