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Just a data pt - TU up 43 pt

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Valued Member

Just a data pt - TU up 43 pt

So my last derog dropped off finally from TU. Score went from 763 to 806!

It was a 60 day late back on 11/2013.

 

EX and EQ already took it out about a month back, and my scores there are 787 / 777.

 

So yeah, uh, if / when I need a loan, I'll be asking for suggestions as to which ones pull TU!

 

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Super Contributor

Re: Just a data pt - TU up 43 pt

Congratulations on your success! That is a great score increase.

Message 2 of 13
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Established Contributor

Re: Just a data pt - TU up 43 pt


@sb48 wrote:

So my last derog dropped off finally from TU. Score went from 763 to 806!

It was a 60 day late back on 11/2013.

 

EX and EQ already took it out about a month back, and my scores there are 787 / 777.

 

So yeah, uh, if / when I need a loan, I'll be asking for suggestions as to which ones pull TU!

 


Those 7 years just draaaggg don't they?!? You got there though!

Congratulations on your success!

NFCU More Rewards 20K CL
NFCU Cash Rewards 1500 CL
Discover IT 1000 CL
Capital One Quicksilver 500 CL (formerly Platinum)
Message 3 of 13
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Valued Member

Re: Just a data pt - TU up 43 pt

Re: 7 years

Yes they do drag!! And now that I know better hope to never be in that position again!

 

Message 4 of 13
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Super Contributor

Re: Just a data pt - TU up 43 pt

Congratulations on your score improvement!

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
Message 5 of 13
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Established Contributor

Re: Just a data pt - TU up 43 pt

Congrats!  Does each bureau have identical information?  

FICO - 8: 10/01/20 AU 8 BC 8
FICO - 9: 10/01/20 AU 9 BC 9
F5,F4,F2 10/01/20 AU... BC...
Vantage 10/01/20
AoOA - 24Y7M | AoYA – 1Y1M | AAoA – 12Y2M
Open: 10 CC: (1 reporting 13.99% : 2.95% AGG UTL) | 1 PLOC | 1 MTG loan: 74.95% UTL | 1 Auto loan: 0.82% UTL
Closed: 1 MTG loan | 1 Auto loan | (EQ) 2 CC, (EX & TU) 1 CC
INQ: (EQ) 0/24 | (TU) 0/24 | (EX) 1/24
Message 6 of 13
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Valued Member

Re: Just a data pt - TU up 43 pt

Re: identical info

Yes, other than more inquiries (accounts opened) on EX and EQ. I don't remember exactly but the jump in score was comparable when they dropped off from the other two.

Message 7 of 13
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Established Contributor

Re: Just a data pt - TU up 43 pt


@sb48 wrote:

Re: identical info

Yes, other than more inquiries (accounts opened) on EX and EQ. I don't remember exactly but the jump in score was comparable when they dropped off from the other two.


If those more inquiries represent new accounts are those new accounts on all 3B's?  I know the same data can produce different scores with different bureau's but your difference seem more than I'd expect. Smiley Indifferent

FICO - 8: 10/01/20 AU 8 BC 8
FICO - 9: 10/01/20 AU 9 BC 9
F5,F4,F2 10/01/20 AU... BC...
Vantage 10/01/20
AoOA - 24Y7M | AoYA – 1Y1M | AAoA – 12Y2M
Open: 10 CC: (1 reporting 13.99% : 2.95% AGG UTL) | 1 PLOC | 1 MTG loan: 74.95% UTL | 1 Auto loan: 0.82% UTL
Closed: 1 MTG loan | 1 Auto loan | (EQ) 2 CC, (EX & TU) 1 CC
INQ: (EQ) 0/24 | (TU) 0/24 | (EX) 1/24
Message 8 of 13
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Valued Member

Re: Just a data pt - TU up 43 pt

Hi Trudy

 

The new accounts are present on all bureaus.

The reported inquiries show EQ/EX at 7, TU at 1 (myFico subscription).

Agree that the jump in TU does seem more than expected (no complaints of course). And I got the score from Discover. My sub will refresh Oct 1.

 

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Valued Contributor

Re: Just a data pt - TU up 43 pt

@sb48 wrote:

Re: 7 years

Yes they do drag!! And now that I know better hope to never be in that position again!

 

 

Very nice fico boost, congratulations to you! 

Current as of October 3rd
TCL $129.6 - 7%UTL $22.2K - Remaining SL Balance
FICO 08 EQ722, TU723, EX728 || Mortgage Scores: EQ 724, Tu 694, EX 722

PSECU $30K || CHASE $9.6K || NAVYFED $66.1K || DISCOVER $20.9 || Store CC $3k CL soon to be closed

Restarted my rebuild in April 2018
(1) Unpaid CO from 2015 - Paid Aug 2020
17 Open acounts 6 closed
9 Open loans / 2 Closed || DTI 4.3%
AOYRA (2) at 13 months || AoOA (2) at 23 years || AAoA 9.9years AAoRA Calculating months

Inquiries: 0/6 0/12 4/24 - EQ/TU/EX (0 / 3 / 1)
- I am experimenting with scores...and it is not working in my favor yet!

Dirty/Thick/Aged/ No New Acoounts

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