Nice !1
So with the AMEx backdating, it pushed your EQ over 700?
What's your current util?
@Mekitcat wrote:
@CS800 wrote:Nice !1
So with the AMEx backdating, it pushed your EQ over 700?
What's your current util?
My TU quarterly updated yesterday and I seen that Amex was on it so I pulled EQ this morning.
My EQ score was 673 on 9/28/11 so it went up 28pts.
my current util is 35%
Holy guacamole !!!!!!!!!!!
your AMEX was a charge or credit card?
Did you util go down from 9/28/2011 to when you pulled your EQ?
28 points, is it strictly from tthe backdating?
No actually that EQ score of 673 was with only 18% util reporting
I'm wondering if my score would of been higher, if my util hadn't doubled.
The weird thing on my report was the 35% showed as a possitive. Which was a surprise 
1. You have no missed payments on your credit accounts.
Number of your accounts with a missed payment 0 accounts
About 93% of FICO High Achievers [?] have no missed payments at all.
But of those who do, the missed payment happened nearly 4 years ago, on average.
You helped your FICO score by paying your bills on time. Staying current with your bills will continue to help your score.
2. You've shown recent use of credit cards.
Your FICO score evaluates your mix of credit cards [?], installment loans and mortgages.
People who demonstrate responsible use of different types of credit are generally less risky to lenders.
You helped your FICO score by showing recent use of a credit card.
3. You've limited the use of your available credit.
Ratio of your revolving balances to your credit limits 35%
For FICO High Achievers [?], this ratio is 7%, on average.
Your FICO score evaluates your total revolving account [?] balances in relation to your total credit limits on those accounts.
Your FICO score was helped because you've kept this ratio of balances to credit limits low.
eta: The card is a Zync
That's very interesting. YOur util doubled and your score went up by 28 pts.
The backdating must have helped a lot also.
I just got a Zync myself and got it backdated. How long does it take AMEX to report once it backdates?