Help with fico score dashboard and alert

[Anonymous]

I'm new. Can someone please help me out. I received an alert that my score had increased to 675.the only alert on Tu that I have is the increase, the one before that was 5/21 increase But never had an alert for decrease, but on the dashboard it says the down arrow with a decrease to 641. Which doesn't make any sense to me. Thanks. I apologize if this is the wrong place for the post

[Revelate]

That's wierd, though occasionally something transient and strange happens as TU has multiple systems on the backend and I don't think they're always in sync from the anecdotal reports here.

Back on 5/30 or whatever what was your score at?  If it was at the upper one I'd be checking reports, if it was the lower of the two it was probably just a glitch.

[Anonymous]

Well, the last score I checked it was a 641. But since my score was a 641, I had a new account added and it had increased my other scores 19+ Eq and 26+ on Ex. Thanks for the reply

[Anonymous]

I was very excited. Because back in January my scores were in the low 400s

[NRB525]

Congrats on the score increase. Looks like you are doing things right, you deserve to be excited about it.

If your scores were in the 400's, the baddies are working their way out, as the score increases. While that general increase is occurring, don't be surprised at some big swings, both up and down, until all the baddies are removed / off the reports. There are things going on behind the scenes that we can't see, when baddies are involved, that can cause these score swings.

The new account may have changed utilization metrics, something else may have aged off at the same time, lots of different possibilities.

[Anonymous]

Thanks. Yes 1 collection left on ex that's 5 years old. And multiple student loan lates that occurred 2 years ago. I learned so much from this board. I wouldnt have been able to bring my score up this much, without all the knowledge i received here. I was looking for a card, but b4 i had actually read into the inquiries. I applied for capital one like 4 times within a month 😕😕. And I had some past inquiries from a loan institution. So I have like
14EQ 637
16TU 641? 675?
7EX 635
I did manage to secure the
99/500 from bofa in march.
Disco secured in March 300,
Usaa secured 300,
Kohls 300 in march,
Victoria secret 250 in March.
Amazon store 700 2 weeks ago
Firestone1000 2 weeks ago.
My utilization is 10%, oldest acount is 12 years old. aaoa is like 3 years. I applied for amex a month ago when my ex was 644, and declined. Didn't recon. Denied for Macys too many inquiries(6). And denied for Wal-Mart twice. & Denied for amazon once.
I also got denied for some apps i had a fraud alert, didnt know it, so a few wasted inquiries there. I am hoping I can get my bofa unsecured at 5 months and discover at 7. Hoping to buy a house in about 2 years. Any advice for me? It is greatly appreciated

[kimbersleep]

I like to use Credit Karma in conjunction with MyFICO, because on CK you can get free reports once per week from 2 bureaus. So if you religiously pull once per week on CK, then you can try to correlate any changes there to your score changes during the month on MyFICO.

[NRB525]

Use the BofA, Discover, and USAA cards regularly and they will help build your credit history. Avoid getting any more store cards though.

If you can add to the savings that secures the USAA, that can give you more credit limit to work with.

By early 2018 you should be ready to apply for a Capital One again. Hopefully some of the secured cards graduate as well.