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6 pt EQ increase when new acct hit

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kjm79
Valued Contributor

6 pt EQ increase when new acct hit

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.  Smiley Mad  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
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