NFCU CC posted to my reports today.
TU FICO stayed at 703. AAoA went from 4.4 to 4.1. Uti went from 43% to 23% - Says utilization is a negative and hurting my score.
EQ FICO went up 6 points to 681. AAoA 4.3 to 4.1. Same Uti. - Says utilization is good and listed on the postive side and helping my score. lol
EX FAKO went up 18 points 681 to 699. AAoA 4.6 to 4.3. Same Uti. I ignore EX VS positive/negatives.
So one new account, AAoA staying in the 4 year range, decreased in my uti by 20%, caused no change on one report, a small increase on another, and who really knows on EX. This is so fun! lol
CH 7 Filed 7/27/15 Discharged 11/16/15
Starting Score: EQ 620 TU 568 EX 593
Current Score (07/13/16): EQ 674 TU 649 EX 674 (FICO's 08)
Cap1 QS ($5350) (Combined QS and QS1) Discover It ($4100) MilStar ($8,600) Fingerhut ($800)
Off to the garden 05/01/16