I received a MyFICO alert that several changes have been detected on my credit report. I knew one change was coming, so I was curious about "several". I logged in and got my new all-time MF SW alert. See picture below.
Edit: actual verbiage used was "multiple" not "several".
Starting Score: 469Current Score: 819
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge
Getting rid of the baddies from DD's SL, letting age do its thing and getting a few more cards while keeping util really low. The last baddie fell off in 2021. I've been in the 800s pretty much since then.
Starting Score: 469Current Score: 819
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge
@Linnaea, I just looked at my EQ score chart. My FICO scores were languishing in the upper 400s, low 500s for about three years, after falling from a high of 790 (EQ5). The effect of the Great Recession took a huge toll on me and my business at the time. I ultimately shut the doors to that company and took a major credit hit. I started coming out of it in 2015, which is when I was able to bring the SL current. I hit the 600s again in April 2015 and bounced between 650 and 670 for two years. Hit 700 in summer 2017 and stayed in low to mid 700s until October 2021. Suddenly, I jumped to the high 700s (779) when the final 120dpd dropped off. Hit 800 in December 2021 and haven't dropped out since.
When my scores hit rock bottom, I wasn't paying attention to them AT ALL and even dropped off of this forum for that time. I just couldn't stand the pain of it. My main mission was to keep all bills current. I knew that if I was able to avoid going late, I would eventually hit the upper 700s again. Credit is a marathon--you treat it right, you will be rewarded. I'm extremely proud of my F8 scores, especially seeing where I came from. I have no desire to go back there.
Starting Score: 469Current Score: 819
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge
@Junejer wrote:I received a MyFICO alert that several changes have been detected on my credit report. I knew one change was coming, so I was curious about "several". I logged in and got my new all-time MF SW alert. See picture below.
Edit: actual verbiage used was "multiple" not "several".
My CS per MyFICO dropped four points due to increase CC balance. My percentage was still under 1%. Today it went up four points because MyFICo stated I made a $199.00 payment to one of my Chase cards. No, I did not! My payment was $264.31. I verified on my Chase account and with my financial institution.
What is going on with FICO scoring?
@CorpCrMgr1 wrote:My CS per MyFICO dropped four points due to increase CC balance. My percentage was still under 1%. Today it went up four points because MyFICo stated I made a $199.00 payment to one of my Chase cards. No, I did not! My payment was $264.31. I verified on my Chase account and with my financial institution.
What is going on with FICO scoring?
If you are carrying a balance from month to month, only the part of the payment that reduces the principle balance is counted on the report, the part of the payment that was for interest is not.
