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Should I try to early exclude these accounts w EQ?

cr101
Established Contributor

Should I try to early exclude these accounts w EQ?

EX did an EE for me and my score increased. But, I don't know if my avg age of accts or anything else important was altered bc of this. I have a really nice score at PF and I think that this will help me get a top rate for a mtg and hopefully a high limit cc. But, I'm concerned that doing an EE may wipe out some factors that may be a contributing factor to the score that I have. There would be 4 student loan accts deleted and they're probably my 2nd-5th oldest accts. What's your take?

Message 1 of 5
4 REPLIES 4
LaHossBoss
Valued Contributor

Re: Should I try to early exclude these accounts w EQ?


@cr101 wrote:

EX did an EE for me and my score increased. But, I don't know if my avg age of accts or anything else important was altered bc of this. I have a really nice score at PF and I think that this will help me get a top rate for a mtg and hopefully a high limit cc. But, I'm concerned that doing an EE may wipe out some factors that may be a contributing factor to the score that I have. There would be 4 student loan accts deleted and they're probably my 2nd-5th oldest accts. What's your take?


I wouldnt even bother with EQ. They can just mess things up. They really only do 1 month EE anyway if they happen to get it right. Your best bet is to let those fall off naturally.

 

You can do the math to get your AAoA from EQ. Just disregard any accounts that will be removed soon.




Starting Score: 2•20 | EQ 550 | TU 498 | EX 505
Current Score: 4•21 | EQ [F8 651] [F9 645] [EQ5 678] [VS3 630] | TU [F8 713] [F9 684] [TU4 721] [VS3 639] | EX [F8 640] [F9 651] [EX2 655] [VS3 625]
Goal Score: 670 [X] TU


Take the myFICO Fitness Challenge

SO Starting Score: 2•20 | EQ 502 | TU 484 | EX 521
SO Current Score: 4•21 | EQ [F8 655] [F9 620] [EQ5 677] [VS3 627] | TU [F8 685] [F9 658] [TU4 639] [VS3 625] [VS4 666] | EX [F8 691] [F9 684] [EX2 658] [VS3 642]
Goal Score: 670 [X] TU [X] EX


Take the myFICO Fitness Challenge



Message 2 of 5
cr101
Established Contributor

Re: Should I try to early exclude these accounts w EQ?


@LaHossBoss wrote:

@cr101 wrote:

EX did an EE for me and my score increased. But, I don't know if my avg age of accts or anything else important was altered bc of this. I have a really nice score at PF and I think that this will help me get a top rate for a mtg and hopefully a high limit cc. But, I'm concerned that doing an EE may wipe out some factors that may be a contributing factor to the score that I have. There would be 4 student loan accts deleted and they're probably my 2nd-5th oldest accts. What's your take?


I wouldnt even bother with EQ. They can just mess things up. They really only do 1 month EE anyway if they happen to get it right. Your best bet is to let those fall off naturally.

 

You can do the math to get your AAoA from EQ. Just disregard any accounts that will be removed soon.


Thanks. I went ahead and just applied. I forgot that they use the middle score, which is TU for me. Even if I wait for the TU EE, I doubt it'll get me to 740, which is where you need to be to get the best mtg rate w them. And, I'm more concerned about a good mtg rate than about increasing my score for another card. Thanks for helping me think this through!

Message 3 of 5
LaHossBoss
Valued Contributor

Re: Should I try to early exclude these accounts w EQ?


@cr101 wrote:

@LaHossBoss wrote:

@cr101 wrote:

EX did an EE for me and my score increased. But, I don't know if my avg age of accts or anything else important was altered bc of this. I have a really nice score at PF and I think that this will help me get a top rate for a mtg and hopefully a high limit cc. But, I'm concerned that doing an EE may wipe out some factors that may be a contributing factor to the score that I have. There would be 4 student loan accts deleted and they're probably my 2nd-5th oldest accts. What's your take?


I wouldnt even bother with EQ. They can just mess things up. They really only do 1 month EE anyway if they happen to get it right. Your best bet is to let those fall off naturally.

 

You can do the math to get your AAoA from EQ. Just disregard any accounts that will be removed soon.


Thanks. I went ahead and just applied. I forgot that they use the middle score, which is TU for me. Even if I wait for the TU EE, I doubt it'll get me to 740, which is where you need to be to get the best mtg rate w them. And, I'm more concerned about a good mtg rate than about increasing my score for another card. Thanks for helping me think this through!


You jad mentioned EQ above.

 

TU does 6 months EE, so if you did EX, you could definitely do TU, and they usually are instant when you call and get it done.




Starting Score: 2•20 | EQ 550 | TU 498 | EX 505
Current Score: 4•21 | EQ [F8 651] [F9 645] [EQ5 678] [VS3 630] | TU [F8 713] [F9 684] [TU4 721] [VS3 639] | EX [F8 640] [F9 651] [EX2 655] [VS3 625]
Goal Score: 670 [X] TU


Take the myFICO Fitness Challenge

SO Starting Score: 2•20 | EQ 502 | TU 484 | EX 521
SO Current Score: 4•21 | EQ [F8 655] [F9 620] [EQ5 677] [VS3 627] | TU [F8 685] [F9 658] [TU4 639] [VS3 625] [VS4 666] | EX [F8 691] [F9 684] [EX2 658] [VS3 642]
Goal Score: 670 [X] TU [X] EX


Take the myFICO Fitness Challenge



Message 4 of 5
cr101
Established Contributor

Re: Should I try to early exclude these accounts w EQ?


@LaHossBoss wrote:

@cr101 wrote:

@LaHossBoss wrote:

@cr101 wrote:

EX did an EE for me and my score increased. But, I don't know if my avg age of accts or anything else important was altered bc of this. I have a really nice score at PF and I think that this will help me get a top rate for a mtg and hopefully a high limit cc. But, I'm concerned that doing an EE may wipe out some factors that may be a contributing factor to the score that I have. There would be 4 student loan accts deleted and they're probably my 2nd-5th oldest accts. What's your take?


I wouldnt even bother with EQ. They can just mess things up. They really only do 1 month EE anyway if they happen to get it right. Your best bet is to let those fall off naturally.

 

You can do the math to get your AAoA from EQ. Just disregard any accounts that will be removed soon.


Thanks. I went ahead and just applied. I forgot that they use the middle score, which is TU for me. Even if I wait for the TU EE, I doubt it'll get me to 740, which is where you need to be to get the best mtg rate w them. And, I'm more concerned about a good mtg rate than about increasing my score for another card. Thanks for helping me think this through!


You jad mentioned EQ above.

 

TU does 6 months EE, so if you did EX, you could definitely do TU, and they usually are instant when you call and get it done.


Yeah, when I posted this, I forgot about the fact that they use the middle score, and I was stupidly a bit more focused on increasing the score to get a good cc limit....The good thing is that the TU dispute process was started yesterday. So, if the EE's approved, it should be done within 30 days, before my mortgage rate's locked in. 

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