EXPERIAN +76 POINTS!!!!

[BGMWPD320]

I pulled my usual daily CRs from TC and realized that EX had updated my report which meant my only late payment was now gone (Chase from January).  I decided I would go ahead and buy my EX FICO score just so I could see a little improvement.  Much to my surprise and delight my EX score is now 669!!!!  That is a 76 point increase since JUNE 25, 2008!  AMAZING!  I want to say thank you to everyone who has given advice on these forums.

I am even more excited because it isn't reporting my 9% util yet!!!  I might be over 700 when that updates!!!

Let me calm down and I will list what has changed in the past 11 days:

1. 30 day late from Chase has been deleted
2. Accounts with balances went from 6 to 5

Those are the only two things that have changed.  I am extremely pleased and ecstatic.

Message Edited by BGMWPD320 on 07-06-2008 09:34 AM

[Anonymous]

Nice-

[marty56]

Very nice.  IMHO I think EX is less pickey about the # accounts reporting then say TU.  As long as the total util is low.

[Anonymous]

Wow, that's great!  It's amazing how powerful it can be to have a little bit of FICO knowledge working on your side.  I can't wait to see what happens when your 9% util posts.  Congrats on getting that 30 day late removed.  Those things hurt  a LOT!

[BGMWPD320]

I had no idea that a 30 day late could be costing me so dearly.  I am glad Chase has remorse, or at least the person who got my GW email, and had it removed.

[BGMWPD320]

EQ +12!!!  My EQ score is now 674 because I have fewer accounts with balances!!

[Anonymous]

[Junejer]

Beauty.

[Anonymous]

WOW! I'm so happy I found this thread... I have 2 recent 60-day late marks that were added by mistake. I am dying of curiosity to see what happens once they are corrected; then I'll have no late marks at all during the last 24 months, at least. 76 points is a big jump! Cool...