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Just a data pt - TU up 43 pt

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Valued Contributor

Re: Just a data pt - TU up 43 pt

🤗

Yes, many, including myself seemingly can not wait to be placed within this kind of scorecard.

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

Message 11 of 13
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Established Contributor

Re: Just a data pt - TU up 43 pt

Well I'm out of guesses Smiley Frustrated  If anything I would think TU would be the lower as my profile seems to indicate TU is more sensitive to UTL when all things are equal.  Either way, Congrats are still in order and I would think even those high 700's would get you the same rates/approvals as your TU.

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 12 of 13
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Valued Contributor

Re: Just a data pt - TU up 43 pt

Congrats on your score boost @sb48 . The wait is soooooo rough. I have two paid collections that turn 2 in December....I am so looking forward to Fico 9! Smiley Happy 

012019 Fico8/Mortgage Score:
Current Fico9/Fico8/Mortgage Score:
MyGoal Fico8/Mortgage Score:
Take the myFICO Fitness Challenge


Message 13 of 13
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