70 point jump in Experian

[Anonymous]

I'm kind of used to large swings in my credit scores as I put some good sized charges on my cards every year. But this 70 point jump in Experian has me a little baffled and I thought I'd share.

Left for work this morning before sunrise and noticed I had received two alerts from myFICO and one from ExperianDirect, but I didn't have time to look at them.

Here's what the two looked like when I logged into myFICO a little while ago

The Balance increase was reported on my Amazon Store card. The un opened one above it was for Syncrony giving me an unsolicited $1,000 increase to my credit limit.

A little stumped I then logged into Experian and saw this

So, at least the score is comfirmed. Went thru as much of the sites as I could but still couldn't find anything about the new Blispay card being reported so I've ruled that out as being a reason with the new 9k starting limit. And even so, 70pts is quite a lot...Still running around an 11% usage on all cards.

Anyways, I'm not complaining and of course will do everything I can to keep it there.

Anyone else think of a reason why this would jump like that?

All the Best

Brad

[Thomas_Thumb]

The most likely suspect would be a "one and only" baddie of a certain type aging off or being removed from your file such as a collection or a 60 day late.

[SouthJamaica]

---

@Thomas_Thumb wrote:

The most likely suspect would be a "one and only" baddie of a certain type aging off or being removed from your file such as a collection or a 60 day late.

---

Agreed. For a swing of that size to have occurred, something major must have dropped off.

[SouthJamaica]

---

@Anonymous wrote:

I'm kind of used to large swings in my credit scores as I put some good sized charges on my cards every year. But this 70 point jump in Experian has me a little baffled and I thought I'd share.

Left for work this morning before sunrise and noticed I had received two alerts from myFICO and one from ExperianDirect, but I didn't have time to look at them.

Here's what the two looked like when I logged into myFICO a little while ago

The Balance increase was reported on my Amazon Store card. The un opened one above it was for Syncrony giving me an unsolicited $1,000 increase to my credit limit.

A little stumped I then logged into Experian and saw this

So, at least the score is comfirmed. Went thru as much of the sites as I could but still couldn't find anything about the new Blispay card being reported so I've ruled that out as being a reason with the new 9k starting limit. And even so, 70pts is quite a lot...Still running around an 11% usage on all cards.

Anyways, I'm not complaining and of course will do everything I can to keep it there.

Anyone else think of a reason why this would jump like that?

All the Best

Brad

---

If you logged into Experian you should look at your updated report, and see what's changed. No way either or both of the things referenced in your alerts are the cause.

[Anonymous]

---

@SouthJamaica wrote:

---

If you logged into Experian you should look at your updated report, and see what's changed. No way either or both of the things referenced in your alerts are the cause.

---

@Anonymous SJ and to @Thomas_Thumb for the replies.

Just got home again and another alert was in my box from Experian along with the your replies to my post.

Logged in and saw this

Went to the credit report again and a 5.5 yr old 60 day late had been removed. It was still there this morning. So, for some reason, there was about a 6hr delay from Experian from that first message this morning about the Amazon increase and the deletion of the baddy.

Excuse me a moment-

YYYYYYYYYYYYYYEEEEEEEEEEEEEEEEAAAAAAAAAAAAAAAAAHHHHHHHHHHHHHH!

Unfortunately, I'll never get Transunion to catch up unless my bank I've dealt with for nearly 30yrs starts reporting to that bureau and moves all my history over there also.

Anyways, thanks for the input(correct input) from the both of you.

All the Best

Brad

[SouthJamaica]

---

@Anonymous wrote:

---

@SouthJamaica wrote:

---

If you logged into Experian you should look at your updated report, and see what's changed. No way either or both of the things referenced in your alerts are the cause.

---

@Anonymous SJ and to @Thomas_Thumb for the replies.

Just got home again and another alert was in my box from Experian along with the your replies to my post.

Logged in and saw this

Went to the credit report again and a 5.5 yr old 60 day late had been removed. It was still there this morning. So, for some reason, there was about a 6hr delay from Experian from that first message this morning about the Amazon increase and the deletion of the baddy.

Excuse me a moment-

YYYYYYYYYYYYYYEEEEEEEEEEEEEEEEAAAAAAAAAAAAAAAAAHHHHHHHHHHHHHH!

Unfortunately, I'll never get Transunion to catch up unless my bank I've dealt with for nearly 30yrs starts reporting to that bureau and moves all my history over there also.

Anyways, thanks for the input(correct input) from the both of you.

All the Best

Brad

---

Congratulations. There you have it, you've no doubt changed "buckets". I'm sure TU will catch up within a few days.

[CrankyDave]

Heh, my EX went up 97 points (716 to 813) at the beginning of this month, so I definitely went through the same stages of disbelief as you. "Dude! --> Hang on, is this some Vantage 3.0 BS? --> I have to verify this, preferably without spending money. --> Holy crap, that's my legit EX FICO8 score.  --> Big, sh*t-eating grin". In my case, it was from getting an EE on a charge off, resulting in a completely clean EX report. Sadly, that CO is still showing on EQ because those bozos don't do the whole "early" thing; that won't age off until December at the earliest. That leaves just one paid state lien on EQ and TU which never reported on EX. The score simulator here shows that once the lien payoff date hits the 4-year mark next October, I'll see a 100 point jump on those two as well, so I guess that's a big milestone date. I bet they won't budge from 720 until then.

Man, I'm jealous of your *two* 800+ scores... Congrats.

[Anonymous]

---

@CrankyDave wrote:

Heh, my EX went up 97 points (716 to 813) at the beginning of this month, so I definitely went through the same stages of disbelief as you. "Dude! --> Hang on, is this some Vantage 3.0 BS? --> I have to verify this, preferably without spending money. --> Holy crap, that's my legit EX FICO8 score.  --> Big, sh*t-eating grin". In my case, it was from getting an EE on a charge off, resulting in a completely clean EX report. Sadly, that CO is still showing on EQ because those bozos don't do the whole "early" thing; that won't age off until December at the earliest. That leaves just one paid state lien on EQ and TU which never reported on EX. The score simulator here shows that once the lien payoff date hits the 4-year mark next October, I'll see a 100 point jump on those two as well, so I guess that's a big milestone date. I bet they won't budge from 720 until then.

Man, I'm jealous of your *two* 800+ scores... Congrats.

---

What got me Dave was when I logged in, the alert was for a 1k increase in my amazon account, lol...something wasn't right but my bad was still on the EX report. Only a few hours later did that bad come off....timing...keep fighting and you'll get those 800's, *grin*

But I'm not with you on the "Vantage 3.0 BS" as you can see in my siggy, they are running pretty close. When Fico 8 drops or rises, 3.0 moves right with them.

Anyways, all the best on your journey!

Brad

[Anonymous]

Something else happened alongside the Amazon CLI OP. I thought the same thing on my EX. I just got a 44 point jump I went to a report from last month and one the day of the jump. There was some payments that changed my reporting balances, a few old lates fell off and a old collection fell off, making EX now completely clean. But also my Blispay reported alongside all of that with 34% utlization on that card but everything else was either 0% or 5% or less. Another thing, a Firestone card I got over a year ago, I finally used it for the first time at the begining of Oct, it reported with a balance but also a CLI was done at the same time (wasn't aware they gave me one) it helped my ultization on that card cause it would have reported at 54% instead of 17%. Today I lost 8 points of that, new statements cut and 2 new cards reported. Lots going on, you may have to fine tooth comb to come up with everything that could have played a hand.

At any rate, I'm excited for you with a jump like that lol. That's hot.

[Anonymous]

---

@Anonymous wrote:

Something else happened alongside the Amazon CLI OP. I thought the same thing on my EX. I just got a 44 point jump I went to a report from last month and one the day of the jump. There was some payments that changed my reporting balances, a few old lates fell off and a old collection fell off, making EX now completely clean. But also my Blispay reported alongside all of that with 34% utlization on that card but everything else was either 0% or 5% or less. Another thing, a Firestone card I got over a year ago, I finally used it for the first time at the begining of Oct, it reported with a balance but also a CLI was done at the same time (wasn't aware they gave me one) it helped my ultization on that card cause it would have reported at 54% instead of 17%. Today I lost 8 points of that, new statements cut and 2 new cards reported. Lots going on, you may have to fine tooth comb to come up with everything that could have played a hand.

At any rate, I'm excited for you with a jump like that lol. That's hot.

---

My only bad fell off my EX report the same day they gave me the 1k bump on amazon, it was just a 'fluke' that it looked like I got the jump for the 1k when is was really the baddy falling off.

Just got an email from Blispay last night that my statement has cut but no indications yet that it's hit the reports, we'll see how long that takes.

All the Best

Brad