Hi everyone! Hope y'all had a wonderful holidays!
I wanted to share with you on my Equifax FICO scorings since my TU and EX is rising slowing normally (with little minor dips). Before we begin, let me tell you a bit of my situation so you can understand. I filed for Bankruptcy Chapter 7 last March 2015 which was fully discharged in June 2015 (except for my student loan, of course).
In 2013, I obtained PLUS loan for my kid going college, current balance $9,300ish (included in BK, not discharged, current TL does NOT say IIB)
In August 2015, I obtained unsecured Merrick Visa SL $600 with AF of $72
In September 2015, I obtained unsecured Barclay Rewards MC SL $1500, no AF
In November 2015, I obtained unsecured Discover IT SL $1600, no AF
FICO 8 Scores…(Specifically for Eqiufax is in BLUE)
June 2015 (Bankruptcy Chapter 7 Discharge )
EX 477
TU 497
EQ 490
September 28, 2015 (First joined MyFICO subscription to monitor my scores and reports)
EX 592
TU 598
EQ 618
October 16
EQ 733 (A new account has been added to your CR (Merrick Visa, opened August 2015)
October 28
TU 599 (+1) The total balance on all your Bankcard account(s) has changed
October 29
EX 613 (+21) The balance on one of your accounts has increased by $167
EQ 739 (+6) The balance on one of your accounts has increased by 100%
October 30
EQ 624 (-115) (No reason given)
November 1
TU 614 (+15) (No reason given)
November 15
EX 624 (+11) A new inquiry was added to your CR (Discover IT)
EQ 753 (+129) The balance on one of your accounts has increased by $16
November 16
EQ 638 (-115) A new inquiry was added to your CR (Discover IT)
November 19
TU 604 (-10) The total balance on all your bankcard account(s) has changed
November 26
TU 603 (-1) The total balance on all your bankcard account(s) has changed
November 27
EX 619 (-5) The balance on one of your accounts has increased by 270%
EQ 718 (+80) The balance on one of your accounts has increased by $451
November 30
TU 619 (+16) (No reason given)
EQ 638 (-80) (No reason given)
December 3
EX 634 (+15) A new account has been added to your CR Discover IT
December 5
EQ 639 (+1) A new account has been added to your CR Discover IT
December 9
EQ 729 (+90) (An Account listed on your credit report has been updated: GLELSI (Student loan) previously reported: Student loan payment deferred, Newly reported: Student loan)
December 10
TU 619 (No changes) (Duplicated 2 alerts new account added: Discover IT, opened 11/2015)
December 16
EQ 746 (+17) The Balance on one of your accounts has decreased by $16
December 27
EQ 646 (-100) (New account added Barclay opened 9/2015, 3 months late in reporting it!! *AND* The balance on one of your accounts has DECREASED by 21%!!!)
Now, I'm including photo of my Eqiufax FICO scoring for the last 3 months. You can see low scores are steady increasing (amid wild scores). Thanks for your upcoming answers/feedbacks, etc....
@Anonymous wrote:
@elim wrote:lol, FICO Madness!
A few others have this problem as well. Ghost
Exactly! And no way for recent BK to get that HIGH score of 700+ too, LOL
Congratulations on your progress so far on your rebuild, and you have an interesting set of score changes, to be sure.
The "ghost" reference is that it is likely that EQ is not fully registering the BK sequence. It finds the BK info, and drops the score, then it loses track of the BK in the next score, and the score goes up.
