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It should be an interesting month for my scores!

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markbeiser
Established Contributor

Re: It should be an interesting month for my scores!

All the little ups and downs this month turned out to be a wash with EQ, and a net gain with TU and EX.
EQ 790
TU 765
EX 779

I'm not expecting anything significant for another 8-10 months, when all my inquiries and new accounts pass the 1 year mark, at which point the simulator says all 3 scores will jump up over the 800 mark.

Back to gardening until Late February 2025.

Current FICO8:
Message 11 of 13
SouthJamaica
Mega Contributor

Re: It should be an interesting month for my scores!


@markbeiser wrote:

All the little ups and downs this month turned out to be a wash with EQ, and a net gain with TU and EX.
EQ 790
TU 765
EX 779

I'm not expecting anything significant for another 8-10 months, when all my inquiries and new accounts pass the 1 year mark, at which point the simulator says all 3 scores will jump up over the 800 mark.


As I predicted Smiley Happy


Total revolving limits 741200 (620700 reporting) FICO 8: EQ 701 TU 704 EX 685

Message 12 of 13
markbeiser
Established Contributor

Re: It should be an interesting month for my scores!


@SouthJamaica wrote:

@markbeiser wrote:

All the little ups and downs this month turned out to be a wash with EQ, and a net gain with TU and EX.
EQ 790
TU 765
EX 779

I'm not expecting anything significant for another 8-10 months, when all my inquiries and new accounts pass the 1 year mark, at which point the simulator says all 3 scores will jump up over the 800 mark.


As I predicted Smiley Happy


Now give me 5 non repeating numbers, each from 1 through 70, and one from 1 through 25!😜

Last month credit score results were pretty much what I expected, just sooo many alerts, which should calm down a lot for the next few months.

The biggest improvement was in my DTI and Resilience Index, though are obviously not factored into FICO scores.
Dumping two high interest personal loans, one really high interest, into my new HELOC at prime+0%, greatly reduced my monthly minimum debt servicing cost. Now I just need to pay it off fast, because prime+0% is a lot of interest these days...
The loans served their purpose, as they were significantly lower interest than the CC debt I had, one by 15%, and helped me improve my credit enough to get such a great rate on a HELOC.

My credit scores were in the 600-620 range 13 months ago.

Back to gardening until Late February 2025.

Current FICO8:
Message 13 of 13
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