DEJA VU ALL OVER AGAIN...

signguy17 · ‎04-07-2013

Hi signguy17

For the past week Score Watch has been monitoring your FICO® Score and credit report for important changes. According to your alert settings, no changes were found.

Really??? Having (4) 30 lates fall off in March. EQ even aged off a SunTrust acct with a 30 late on it. Plus I've been keeping my util down (last month I did let it spike because I thought my new CU CC would help but it didnt even report so I lost 4 point because I was at 50% util. That's now back to about 5% left on the balance on purpose..... AND I CAN'T EVEN GET A BREAK!! or a bump in this case.. Been over 2 months ince I've had a positive bump.

Evidently old lates aging off have no bearing on your score nor does making your payments on time. But you miss one and they'll drop you 50 points. I've even sent 5 GWs last week but I haven't heard from them yet...

The FICO Gods don't like me.....

Starting Score:
11/11/12 BEGIN REBUILD myFICO 584
11/11/13 ONE YEAR ANNIVERSARY!! myFICO 705

ktl72455 · ‎04-07-2013

Hang in there, your turns comming and it will probally be a nice big one!!

From MI.
12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
6/12/20 TU 803 ~ EQ 814~ Ex 784
My Wallet: Cap1 3,500K ~FH 2950~Credit One 1750~Credit one #2 1250~Orchard Bank 400 ~NFCU nRewards 18,000~NFCU Cash Rewards 18,500 ~Care Credit 12000~Discover 6000~Lowes 5450~ Amex 5400.00 ~ Harvest King 8000 ~ Langley~Penfed~Service CRU~red stone cru~
UTL 17%

ktl72455 · ‎04-07-2013

Do you have the alert setttings set at or 1 point above your current score?

From MI.
12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
6/12/20 TU 803 ~ EQ 814~ Ex 784
My Wallet: Cap1 3,500K ~FH 2950~Credit One 1750~Credit one #2 1250~Orchard Bank 400 ~NFCU nRewards 18,000~NFCU Cash Rewards 18,500 ~Care Credit 12000~Discover 6000~Lowes 5450~ Amex 5400.00 ~ Harvest King 8000 ~ Langley~Penfed~Service CRU~red stone cru~
UTL 17%

lg8302ch · ‎04-07-2013

the best is to set your alert settings to the present score like this you get an alert if it changes no matter in which direction...just lost 11 points but got them back two weeks later. try to always set it on the actual score for best results for score alerts...good luck

starry1 · ‎04-07-2013

There are no words to describe how much I hate "no changes" email on Sunday.

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)

lg8302ch · ‎04-07-2013

@starry1
better no changes than dropping scores

signguy17 · ‎04-07-2013

yep my setting is at 642 qnd my present score is 646. My CapOne is due tomorrow but I have a 0 balance where it was 256/500cli.. They report of the 11th so I should (damn well better) have a bump by Thursday or I'm gonna be ticked!

Starting Score:
11/11/12 BEGIN REBUILD myFICO 584
11/11/13 ONE YEAR ANNIVERSARY!! myFICO 705

starry1 · ‎04-07-2013

You need to change your setting to 646 then. That way even one point will notify you.

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)

lg8302ch · ‎04-07-2013

yes always set it to your present score for optimal results on SW alerts - 646 as starry1 mentioned, after next change set it agai on that figure...and so on

signguy17 · ‎04-07-2013

Im sorry...I forgot...the FICO gods struck me down last month for the CapOne account balance. So my score is 641 and that is where my alert is set.

I just checked the FICO Similator and it said that paying off the $246 balance to 0 in one month would result in an increase from 681-721. Soooo this time next weekend I will be at 681-721!! That's a 40-80 bump!! I think I will show this to my attorney just in case it doesn't happen! I think on the grounds of "Alienation of affections" because I would love to get my fix...errrrrr......I mean bump on!!

Starting Score:
11/11/12 BEGIN REBUILD myFICO 584
11/11/13 ONE YEAR ANNIVERSARY!! myFICO 705