I have had jumps like that but I am in the next to the last bracket from being Excellent and it's killing me to try to get there and that is all three pretty much have to be 760 or above to rest in that top bracket. The 11 points came back so I lost them for a grand total of 2 days if that long. If the card at just posted one day soon I think I would have got the spike I need,. I am 13 points off from being in that top bracket in the nation and I just can't seem to get there. I want and will not stop until all three are 760 or above. So come April 1 here I go again. Charge on all cards. I go get gas and I put some on each card at the first stop. That gives me activity due on the card for the month. Then I use my paypal card that has 2700 on it. Then JC PENNY is hardest to use. I do not need anymore T-Shirts and underwear but I will buy something small there as CL is 1650 so it has to be used. Then here I go I pay all off except one and try to alternate which one I leave a balance one. I had one guy here that understands this a lot say leave .006 on all of them no more but that gave me nothing. I tried that 2 months and nothing. Girl at agency and credit card company agree leave one card with a balance on it below 10% of its CL. That is what I have been doing. I will get there but do you know how long a month is when you set this up just to see it fail in the end.
So here I go again.
Thanks
Starting FICO Score 2007: >> >> 533 -- God those were some Dark Days !! 
@paramed3 wrote:Just like I said they carve 11 points off my SCORES for have zero balance on all cards then the one card post last night with 128.00 out of 2000 CL and here comes the 11 points back. IT'S A SCAM. It really is a scam. Took me a month to set all this up but I forget the one I left is not dues until 24th each month instead of 20th. I was thinking no problem they don't update until end of month but I was wrong. That makes the entire notion of rescoring sort of questionable.
This is a scam to do this to us. We own this information and I can not log into this site or any credit site without be bombarded with ADS on buy this or buy that to improve your score or omg you need this to protect your idenity theives are ready to steal it today.
I am so sick of this. You say don't watch it so close unless you plan to buy something soon. Try 250,000 for 6 acres and two rentals on it.
Yea I am thankful my scores are better. I started at 533 and now way into the mid 700 range but I want all 3 at 760 for the best rates. 760-800 is where I plan to stay the rest of my life. I learned the hard way and I have people tell me now " I don;t need credit I pay cash for everything" yea well I hope you know you will live in a rental if that or a 4000 house the rest of your life. I said we all have to have and need our credit. Its a part of life. I will be glad when in 25 years this scam is over and they have new ways to look at a person and their credit profile for payback on loans. It's coming just no time soon as these agencies have found a way to make billions. Do you think republicians really want abortion to go away ? Heck no that is their primary hot topic to get their stupid base in an uproar at election time. The real threath to americans now are amercians. We are the ones that hurt this country most not others.
No it's not. And No, you don't. You are purchasing a product that has information about you, but you don't own that product.
Rather than focusing and obsessing on a score, look to the actual data in the report to make sure it is accurate and timely. Misinformation in the actual data could be causing your score to get hung up. And the reality is, unless you're applying for more credit, the scores don't matter. Like on that show "Who's Line Is It Anyway?"
@CreditMike wrote:The real scam is not getting the correct score. Lets say you buy your FICO credit score and it says 560 from all three credit agencies. Not very good. So you work real hard bust your ass to get your score up. Its now months or even years later so you check you FICO scores again and great thier at 720 for all three (I know they are never the same, this is just an example to show the problem). You figure hey my credits good i've worked hard to make it better i can go buy a car. So that same day that you pulled your credit you go to the car dealer and they pull your credit and it comes back at 650 and you are denied that car loan based on you credit. **bleep** ??? Why isnt it 720 ?? I know that they are pulling an 'industry specific code' for my credit score .... but WHY CANT I SEE THAT SAME EXACT SCORE !!!!! If i would of known that the score was only 650 i wouldnt have gone and tried...... so when is FICO and myFICO and every other credit reporting agency going to admit that this is a real problem and fix the Industry. Here is a great article to read about scores http://www.consumerreports.org/cro/magazine/2013/07/don-t-buy-useless-credit-scores/index.htm I would like a response from FICO and myFICO and Fair Isaac on this issue and what they are doing about it and a timeline. I am SICK AND TIRED OF GOING INTO A MAJOR PURCHASE BLINDE AND NOT KNOWING WHAT TO EXPECT WITH MY CREDIT. Being 'close' is not good enough.
Which is why focusing on the report instead of the score is the important thing. The data matters, the score is (mostly) irrelevant unless you can explicitly get the score you know the lender will be using... vis a vis I sincerely hope DCU does not change the Beacon 5.0 I get from them so I can have some sort of guage of my mortgage qualification whenever I get to that point. Short of government mandate though, the likelihood of all scores being available is statistically zero.
@bada_bing wrote:FICO scoring is intended to be invisible to the people being measured. It is
supposed to measure your credit behavior, not influence your behavior.
Long ago, people became aware that they could "tweak" their scores a bit
by altering trivial parts of their daily credit life. Like tweaking utilization.
Having all cards report zero except one isn't a normal behavior, it's a
behavior intended to influence scores. Getting the short term 10-20 point
bump in scores from tweaking may feel good, but it doesn't really give the
full benefit the score increase might suggest. A 760 profile while scores are
tweaked isn't as strong as a profile that scores 760 just living.
I look at it as a tweaked score isn't natural. The score you have when you
ignore short term FICO effects of your behavior is a better indicator of your
real credit report standing. Lenders have partially compensated for the
tweakability of scores by developing their own proprietary internal scores
and by manual review.
I wouldn't waste my time fussing over scores continuously. I do it when I have
an app I want to do, but realize it doesn't do as much as the raw fico might suggest.
Curiously, mortgages seem to be much more influenced by raw fico score than credit
cards. 95% of the time I let all my statements cut with whatever I spent that month and
PIF on the due date.
Absolutely excellent point; however, how long does it take for a pattern of behavior to become a habit?
Changes to modify your own score are likely self-reinforcing over time much like other learned behaviors; I don't and won't ever spend the time to go do that mostly because I know it's irrelevant to me personally: by the time I can break 730ish with negatives finally falling off several years from now, I'll likely be at 760 anyway just from having lived through the intervening years and having established a strong enough credit profile that I don't need to play the utilization game.
