Okay friends... I have read and learned so much from this site. I have managed to get my scores to jump since February of this year. My goal is just around the corner... 700 across the board!
Now to situation...
I currently have 2 collections on each of the two above mentioned bureaus. I have a few baddies from over 3 years ago on closed accounts. I currenly have 3 accounts that are over 6 months old that are paid on time each month. 2 being Capital one cards and one an unsecured bank loan. This last reporting month, I got a new Capital One Card, to give me 2 prime and 1 subprime cards. The secured card has CL of 550, COQS1 was at $1500, but was increased to $2000 a few days ago. the last card is just like my secured, but it is unsecured with C $1000.
Last month I had a bal on one card of $46 dollars and $0. This month I had $145 and $0.
I was surpised that when all these things posted to my creidt report this month that, TU stated the same, didn't move up or down. EQU increased by 18 points, but EXP decreased by 8 points.
I have worked to get these up, and thought I had sorta figured out what needed to be done, but I don't understand how the two companies see the same information , report the increase of the balance and the increase of the CL as well as the additional card, yet one goes up and the other down?
Will it just take more time to average these out? I know it takes time, that was why I gave myself 1 year to get to the 700 club, and still have about 5 more months to go, but looking for some possible advise as to why they went opposite of each other.
If you need more information, I will glad to provide what I can.
Thank you for your advice in advance~
Starting Scores: myFICO 2/18/15 - FICO 8 Scores - EXP 562; TU 606; EQU 631
Current Scores: myFICO 8/27/15 - FICO 8 Scores - EXP 669; TY 675; TQU 691
