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13 point jump!

New Contributor

13 point jump!

Hi everyone,

I'm new to cleaning up my credit because I'm trying to qualify for a mortgage.

I just got the score watch alert with this jump. It didn't exactly tell me it jumped so I ordered an EQ report to compare it with my last. First, my utilization went down from 30% to 26%.

I also noticed that Capital One removed a 60 Day late I had from June 2006! I have a 30 Day late from 7/2010 and a 90 Day late from 7/2006 left. I called them last week to see if they could take them off. I pretty much begged them. The CSR said that she would put in a request, but couldn't promise anything. Well, sure enough, one has come off. Do you thing the two remaining ones will follow?

Call first, it works!!!!!!
Message 1 of 5
New Contributor

Re: 13 point jump!

Why it jumped*
Message 2 of 5
Senior Contributor

Re: 13 point jump!

Congrats on 13 pointsSmiley Wink Keep up the good work!!

FICO's May 2015 EQ764 ~~Live below your means and always keep an emergency fund -Love Everybody ~ Big Kenny ~ Big and Rich ~~~~~Credit Scoring 101 - Common Abbreviations - Freq Req Threads - Free Credit Reports - What Steps Do I Take?DV? PFD?
Message 3 of 5
Valued Contributor

Re: 13 point jump!

Nice going, Congrats on the increase!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 4 of 5
Moderator Emeritus

Re: 13 point jump!


Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 5 of 5