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Fico jump, not huge but

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wmweeza
Established Contributor

Fico jump, not huge but

Holy......wow, my Barclay FICO updated to 815! It was 807 so not a huge jump.

Now I just have to keep it up until next June when we will be selling our house and buying/building a new one!

fico.jpg


Last App 10/14. FICO's: AMEX Ex 846, BarclayTU08 815.FAKOs:CreditKarma 775,CS score 771.BofA 5400,Target $5000,Barnes $8500,Amex $22k
5 REPLIES 5
RonM21
Valued Contributor

Re: Fico jump, not huge but

Looking good! Nice score.


Total CL: $321.7kUTL: 2%AAoA: 7.0yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | AMEX-42k | DISC-40.6k | PENFED-38.4k | LOWES-35k | ALLIANT-25k | CITI-15.7k | BARCLAYS-15k | CHASE-10k

Message 2 of 6
wmweeza
Established Contributor

Re: Fico jump, not huge but

My ony change is an inquiry was due to fall off completely now that it hit the 2 year mark. I thought my only boost would be at the one year mark but apparently you get another when it totally falls off. Interesting!


Last App 10/14. FICO's: AMEX Ex 846, BarclayTU08 815.FAKOs:CreditKarma 775,CS score 771.BofA 5400,Target $5000,Barnes $8500,Amex $22k
Message 3 of 6
disdreamin
Valued Contributor

Re: Fico jump, not huge but


@wmweeza wrote:

My ony change is an inquiry was due to fall off completely now that it hit the 2 year mark. I thought my only boost would be at the one year mark but apparently you get another when it totally falls off. Interesting!


I'd be really surprised to find out there is typically a bump at the two year mark for an inquiry falling off! Maybe it depends on the file? Hmm..

 

Anyways, congratulations on the nice score bump!

Message 4 of 6
RonM21
Valued Contributor

Re: Fico jump, not huge but

That is a nice score!


Total CL: $321.7kUTL: 2%AAoA: 7.0yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | AMEX-42k | DISC-40.6k | PENFED-38.4k | LOWES-35k | ALLIANT-25k | CITI-15.7k | BARCLAYS-15k | CHASE-10k

Message 5 of 6
Revelate
Moderator Emeritus

Re: Fico jump, not huge but


@disdreamin wrote:

@wmweeza wrote:

My ony change is an inquiry was due to fall off completely now that it hit the 2 year mark. I thought my only boost would be at the one year mark but apparently you get another when it totally falls off. Interesting!


I'd be really surprised to find out there is typically a bump at the two year mark for an inquiry falling off! Maybe it depends on the file? Hmm..

 

Anyways, congratulations on the nice score bump!


There isn't.

 

@OP: wasn't clear from your siggy, but was that the last tradeline you picked up and did it cross the two year mark since open date now?  There's been some theorization that the "new account" bit disappears at 2 years (hard to say with my profile) but at any rate something else changed here wasn't the inquiry being deleted at the 2 year mark.




        
Message 6 of 6
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