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UTL.....SW

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afbar1114
Valued Contributor
‎03-08-2012 01:10 PM
‎03-08-2012 01:10 PM

UTL.....SW

Got home todat and checked my email and got a SW alert... checked my score went up another 10 points. that makes 20 points in the past 2 weeks. i now have a EQ score of 657 only 23 points a way from my starting score of 680 in jan before i got my new cards.... cant wait untill some more cards post with $0 balance and another with half the balance. in all i have 4 out of 9 cards with a balance 

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
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crunching_numbers
Valued Contributor
‎03-08-2012 02:42 PM
‎03-08-2012 02:42 PM

Re: UTL.....SW

@afbar1114 wrote:

Got home todat and checked my email and got a SW alert... checked my score went up another 10 points. that makes 20 points in the past 2 weeks. i now have a EQ score of 657 only 23 points a way from my starting score of 680 in jan before i got my new cards.... cant wait untill some more cards post with $0 balance and another with half the balance. in all i have 4 out of 9 cards with a balance 


Good news! It sounds like your score is recovering from that app spree of yours. 

I have not gotten my first SW update yet. Smiley Sad  I started SW on 2/29 so hoping for first update soon.

Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)
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Anonymous
Not applicable
‎03-09-2012 06:47 AM
‎03-09-2012 06:47 AM

Re: UTL.....SW

@afbar1114 wrote:

Got home todat and checked my email and got a SW alert... checked my score went up another 10 points. that makes 20 points in the past 2 weeks. i now have a EQ score of 657 only 23 points a way from my starting score of 680 in jan before i got my new cards.... cant wait untill some more cards post with $0 balance and another with half the balance. in all i have 4 out of 9 cards with a balance 

Excellent, it sounds like you are in the rebound stage, it usually takes about 6 months or so for scores to rebound from recent opening of new accounts (YMMV tho)

 

@If you got 8 of your 9 cards down to a 0 balance and just had the one reporting @ 1-9% util, I bet you would be very surprised by the score increase you would see.

 

It sounds like you are on the right track, keep up the great work and keep us posted as your score/s increase.

 

Wishing you the Best.

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LS2982
Mega Contributor
‎03-12-2012 03:06 AM
‎03-12-2012 03:06 AM

Re: UTL.....SW

@afbar1114 wrote:

Got home todat and checked my email and got a SW alert... checked my score went up another 10 points. that makes 20 points in the past 2 weeks. i now have a EQ score of 657 only 23 points a way from my starting score of 680 in jan before i got my new cards.... cant wait untill some more cards post with $0 balance and another with half the balance. in all i have 4 out of 9 cards with a balance 

Congrats!!!



EQ FICO 548 3/3/16
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