NFCU SSL Paid Down

[M_Smart007]

@CivalV, Very nice jump in scores

[AllZero]

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@CivalV wrote:

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@MrZero wrote:

Congrats! Mine went up about 32 points on TU and a whopping 51 on Experian from what I can tell.

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So far TU went up 50 points, EX went up 40 and EQ has not went up just yet. EQ takes forever to update on my reports smh 

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Very nicely done! Where there any utilization or ageing factor, etc. contribution to this change?

[CivalV]

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@AllZero wrote:

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@CivalV wrote:

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@MrZero wrote:

Congrats! Mine went up about 32 points on TU and a whopping 51 on Experian from what I can tell.

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So far TU went up 50 points, EX went up 40 and EQ has not went up just yet. EQ takes forever to update on my reports smh 

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Very nicely done! Where there any utilization or ageing factor, etc. contribution to this change?

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No aging factors BUT I dropped my overall UTL by 20%. My AAOA is 8 years and AAOa is 2YRS 4M after opening new accounts and the NFCU SSL. My scores have not reflected the UTL drop due to statement cut dates. Most of my accounts update from the 7th-12th each month. EQ updated with a score increase of 33 points due to the NFCU SSL alone. All 3 CBRs are in the yellow zone and now considered the high 600's. 

I feel so great! I have 2 more cards I am hoping to add to my profile before I hunker down and garden for 1YR. My biggest goal is to buy my first home, with a first time home buyer VA loan next year around this time of the year. I am really curious to see what my mortgage scores look like, now that all 3 CBRs updated as well at my Auto loan scores. 

[CivalV]

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@M_Smart007 wrote:

@CivalV, Very nice jump in scores

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Thank you! I am at the point in my rebuild where I don't know what else to do aside from continuing to pay my bills on time and bringing down UTL a bit more lol 

[Anonymous]

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@CivalV wrote:

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@M_Smart007 wrote:

@CivalV, Very nice jump in scores

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Thank you! I am at the point in my rebuild where I don't know what else to do aside from continuing to pay my bills on time and bringing down UTL a bit more lol 

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A huge congrats on the major increase!! I am in my first year of building and there is always the feeling that I should be getting something else. I have realized that allowing my current accounts to age and consistantly paying on time actually IS doing something lol!! Not as fun as trying for a new card but a critical part of the process. Clearly you are doing it all the right way and I can't wait to follow your journey and hear about that new home next year!! Congrats again!!