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Has anyone using the ScoreWatch calculator had their 24 month range between XXX-850?

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Anonymous
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Has anyone using the ScoreWatch calculator had their 24 month range between XXX-850?

Has anyone using the ScoreWatch calculator had their 24 month range between XXX-850?
Message 1 of 11
10 REPLIES 10
MidnightVoice
Super Contributor

Re: Has anyone using the ScoreWatch calculator had their 24 month range between XXX-850?

Yes
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Message 2 of 11
Anonymous
Not applicable

Re: Has anyone using the ScoreWatch calculator had their 24 month range between XXX-850?



@MidnightVoice wrote:
Yes



I can not help but wonder if the number on the right reflected inquiries and age. Did your SW say XXX-850? What happened after 12-24 months?
Message 3 of 11
MidnightVoice
Super Contributor

Re: Has anyone using the ScoreWatch calculator had their 24 month range between XXX-850?

Hmm - I didn't try and make it go up to more than 850  Smiley Very Happy
 
I just asked it to simulate best action, and it gave me:
 
Best Action - Pay Down 90%-100% of Your Credit Card Balances - Over the Next 24 Months

814 - 850

 

Paying to zero util does not give me the 850, and paying bills on time for 24 months does not give me the 850.  So it is zero utilization and 24 months history at that for perfection.

The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Message 4 of 11
Anonymous
Not applicable

Re: Has anyone using the ScoreWatch calculator had their 24 month range between XXX-850?



@MidnightVoice wrote:
Hmm - I didn't try and make it go up to more than 850 Smiley Very Happy
I just asked it to simulate best action, and it gave me:
Best Action - Pay Down 90%-100% of Your Credit Card Balances - Over the Next 24 Months

814 - 850

Paying to zero util does not give me the 850, and paying bills on time for 24 months does not give me the 850. So it is zero utilization and 24 months history at that for perfection.




Just maybe some of us will hit 850 then in the next 12-24 months! We shall have to wait and find out. Congrats on your credit perfection skills.
Message 5 of 11
MidnightVoice
Super Contributor

Re: Has anyone using the ScoreWatch calculator had their 24 month range between XXX-850?

Looking at all 6 scores (self and DW), I am guessing you can't get it to estimate the 850 until the score is currently over 800.  Smiley Very Happy
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Message 6 of 11
Anonymous
Not applicable

Re: Has anyone using the ScoreWatch calculator had their 24 month range between XXX-850?

Do you have new accounts less than 12 months?
Message 7 of 11
Anonymous
Not applicable

Re: Has anyone using the ScoreWatch calculator had their 24 month range between XXX-850?

I've seen other score predictions with less spread. Yours shows a 36 point spread. I've seen other with a 30 and 20 point spread. Maybe you've got what it takes and age is holding back and maybe inquiries, and little green boxes. Smiley Happy
Message 8 of 11
Anonymous
Not applicable

Re: Has anyone using the ScoreWatch calculator had their 24 month range between XXX-850?



 ilovepizza wrote:
Has anyone using the ScoreWatch calculator had their 24 month range between XXX-850?


Mine only gives the range 817-847 over the next 24 months
 
Guess I'll always be a day late and 3 pts short   Smiley Wink
Message 9 of 11
MidnightVoice
Super Contributor

Re: Has anyone using the ScoreWatch calculator had their 24 month range between XXX-850?



ilovepizza wrote:
Do you have new accounts less than 12 months?


Yes.
 
But the age is very good, and this report has no boxes any color other than green  Smiley Very Happy
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Message 10 of 11
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