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55 point increase!

Txmomof3qts
Regular Contributor

55 point increase!

So lately I had become discouraged....two points here....decrease ...increase.....repeat the cycle.  Today got a SW alert that EX went up 55 points due to a credit line increase on one of my accounts that I didn't know about.  So right now my scores are:

 

equifax 600

transunion 619

experian 682

 

my equifax from equifax sight is 575.  We are working towards a mid score of 640.  I am hoping we are getting close.  The credit line increase has not reported on the other two reports yet.  I know I am not going to get that type of boost but can't wait to see what happens.  Any ideas?

Lender pulls February 9, 2015.
Preapproved for $210,000 USDA guaranteed for new build in Texas
Waiting on approval from USDA
TU 679 (middle) - My FICO TU 657
EQ 657 - My FICO EQ- 693
EX 709 - My FICO EX - 675
DH: Transunion 702
Equifax 669
Experian 673 (middle)




Message 1 of 7
6 REPLIES 6
Txmomof3qts
Regular Contributor

Re: Credit score increase! A little bit of sunshine..

Just an observation but my credit karma score is 624.  Only a difference of 5 points from myfico.

Lender pulls February 9, 2015.
Preapproved for $210,000 USDA guaranteed for new build in Texas
Waiting on approval from USDA
TU 679 (middle) - My FICO TU 657
EQ 657 - My FICO EQ- 693
EX 709 - My FICO EX - 675
DH: Transunion 702
Equifax 669
Experian 673 (middle)




Message 2 of 7
Super_AL
Valued Contributor

Re: 55 point increase!


@Txmomof3qts wrote:

  Today got a SW alert that EX went up 55 points due to a credit line increase on one of my accounts that I didn't know about.


Congrats.....Smiley Happy

Smiley Happy (BANK OF AMERiCA CA$H REWARD$ ViSA SiGNATURE) (CHASE AMAZON ViSA SiGNATURE) (CAPiTAL ONE QUiCKSiLVER ViSA SiGNATURE) (CiTi DOUBLE CA$H WORLD MASTERCARD) (BARCLAYCARD UPROMiSE WORLD MASTERCARD) (SYNCHRONY MARVEL MASTERCARD) (AMERiCAN EXPRESS BLUE CA$H EVERYDAY) (DiSCOVER iT NHL)
Message 3 of 7
Cybersam-old
Valued Member

Re: 55 point increase!

Grats! Very nice jump.

Message 4 of 7
timothylee
Established Contributor

Re: 55 point increase!

Congratulations on the increase.

 

No way for us to predict the scoring. It can vary on alot of different things and it has to do with your file. Every file works differently.

 

Current Scores (9/9) - Equifax 542 - TransUnion 560 - Experian 563

$500
Message 5 of 7
eric19k
Established Contributor

Re: 55 point increase!

Low Utilization always the best.
TU Scores:
May 2014- 466
July 2014- 537
September 2014- 602
Goal Scores- 720 by March 2014
Message 6 of 7
Pharoe33
Regular Contributor

Re: 55 point increase!

Nice!!!! Congratulations! I plan to request an increase once I get my utilization down. I hope I get a nice bump like you!

Message 7 of 7
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