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My Fico 8 scores have gone up an average of 81 pts/ea in the past 2 weeks!

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Stryder
Frequent Contributor

My Fico 8 scores have gone up an average of 81 pts/ea in the past 2 weeks!

I have been making post about this on different threads, but since ALL of my accounts are totally clean, the results have astounded me!

In January 2016 I had a 630 score and 5 baddies. I knew that most of them would fall off by November, and for the most part they did and my scores crept up. I also dug into learning credit and was able to get some good cards and learn how to nurture them.

 

10/15 my scores were EQ 652, TU 696, EX 681

Since then, the last of the baddies have fallen off, the last one was on EQ and it fell off last night

 

My scores this morning are 

FICO 8 161106.png

 

I am blown away to see how much change I got for getting clean...double what I was expecting. I have clean payments for almost 7 years now, so I believe I went into a different bucket, which would explain the large jump?

 

Main reason to post this is for those of you just starting your journey, half way there, or almost there. My message is hang in there, do the right thing, and read everything you can and listen. I am still learning a ton and there are MANY wiser people here that have "been there done that" that are willing to share their knowledge and experiences. This board is AWESOME!

 

Right now for me, I am going to pay NFCU a little visit this week and see them about a Platinum card! Then its off to the garden for about 2 years! Smiley Wink

Message 1 of 22
21 REPLIES 21
Thomas_Thumb
Senior Contributor

Re: My scores have gone up 244 pts in the past 2 weeks!

Nice progress! 

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 2 of 22
NRB525
Super Contributor

Re: My scores have gone up 244 pts in the past 2 weeks!

Big congratulations on the progress.

 

If I calculate correctly, it looks like a score improvement of 140+, not 244? Does not minimize your progress, but a 200+ point move seems really not possible, in a normal situation of old baddies getting cleaned up.. The 100+ move seems more common.

 

Thanks for sharing and again, congratulations; it's a good feeling seeing your score improve like that!

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
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 3 of 22
Stryder
Frequent Contributor

Re: My scores have gone up 244 pts in the past 2 weeks!

Not sure what you mean, EQ went up from 652 to 753 over the past 2 weeks. I had 2 baddies onEQ and one fell off 11/3 and it went up 44, today the last fell off and went from 696 to 753 for 57 which is 101

TU went up from 696 to 702 on 11/2 and from 702 to 773 on 11/3 which is 77

EX went from 681 to 739, then on 11/1.. up to 747 = 66 

 

Im not trying to quible, but it is a phenominal improvent (for me anyway) and I wasn't sure how rare it was to jump that much......it is far from what I was expecting. I was hoping to reach this level by next summer.

 

Thanks for the congrats and the reply NRB and TT.....and I like what both of you said, was "progress" indicating I need to work from this base and grow...My AAoA is around 2.5 yrs now, oldest 10 yr on EQ and EX, and 12 yr on TU, which I believe is why it's higher...so I need to let things age. I am going to app for the NFCU Platinum because I want a low apr BT card and I could use the extra cl...then Im into the garden for a long time!

 

Message 4 of 22
Anonymous
Not applicable

Re: My scores have gone up 244 pts in the past 2 weeks!

Good job and keep it up.  

Message 5 of 22
NRB525
Super Contributor

Re: My scores have gone up 244 pts in the past 2 weeks!


@Stryder wrote:

Not sure what you mean, EQ went up from 652 to 753 over the past 2 weeks. I had 2 baddies onEQ and one fell off 11/3 and it went up 44, today the last fell off and went from 696 to 753 for 57 which is 101

TU went up from 696 to 702 on 11/2 and from 702 to 773 on 11/3 which is 77

EX went from 681 to 739, then on 11/1.. up to 747 = 66 

 

Im not trying to quible, but it is a phenominal improvent (for me anyway) and I wasn't sure how rare it was to jump that much......it is far from what I was expecting. I was hoping to reach this level by next summer.

 

Thanks for the congrats and the reply NRB and TT.....and I like what both of you said, was "progress" indicating I need to work from this base and grow...My AAoA is around 2.5 yrs now, oldest 10 yr on EQ and EX, and 12 yr on TU, which I believe is why it's higher...so I need to let things age. I am going to app for the NFCU Platinum because I want a low apr BT card and I could use the extra cl...then Im into the garden for a long time!

 


Again, I'm not trying to put any limits on my congratulations, just trying to realign your measurement of points Smiley Happy

 

If we added up all our points, my 805, 807 and 800 would total 2,412... but I don't claim to have a credit score of 2,412 Smiley Wink

 

Since each of the score ranges is the same, and each of the three bureaus tends to score in about the same area if they are reading all the same credit file information, we refer to score improvements as the general improvement within only one scoring range. So you are free to interpret the best-increasing bureau as your score improvement, but we don't get to triple-down on adding all three Smiley Happy

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
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 6 of 22
Anonymous
Not applicable

Re: My scores have gone up 244 pts in the past 2 weeks!


@NRB525 wrote:

If we added up all our points, my 805, 807 and 800 would total 2,412... but I don't claim to have a credit score of 2,412 Smiley Wink

 

Since each of the score ranges is the same, and each of the three bureaus tends to score in about the same area if they are reading all the same credit file information, we refer to score improvements as the general improvement within only one scoring range. So you are free to interpret the best-increasing bureau as your score improvement, but we don't get to triple-down on adding all three Smiley Happy


Why stop at mearly tripling-down? Smiley Happy What about all the other scores, like car, vantage, TU04, morgate, car, etc, etc.  And there are more than just 3 CRAs.

 

None the less, congrats to the OP.Heart

Message 7 of 22
Stryder
Frequent Contributor

Re: My scores have gone up 244 pts in the past 2 weeks!

Sorry NRB, I wasn't trying to mis-lead anybody...I just stated my scoreS have gone up and then showed the details of each in the post. So I'm not sure what you think I was claiming. But, I will be more careful how I word things next time Smiley Wink

 

Thanks for your input!


NRB525 wrote:


Again, I'm not trying to put any limits on my congratulations, just trying to realign your measurement of points Smiley Happy

If we added up all our points, my 805, 807 and 800 would total 2,412... but I don't claim to have a credit score of 2,412 Smiley Wink

Since each of the score ranges is the same, and each of the three bureaus tends to score in about the same area if they are reading all the same credit file information, we refer to score improvements as the general improvement within only one scoring range. So you are free to interpret the best-increasing bureau as your score improvement, but we don't get to triple-down on adding all three Smiley Happy


 

Message 8 of 22
lg8302ch
Senior Contributor

Re: My scores have gone up 244 pts in the past 2 weeks!

Cheers.jpgVery nice and now keep it up that way Smiley Happy

Message 9 of 22
Thomas_Thumb
Senior Contributor

Re: My scores have gone up 244 pts in the past 2 weeks!


@Anonymous wrote:

@NRB525 wrote:

If we added up all our points, my 805, 807 and 800 would total 2,412... but I don't claim to have a credit score of 2,412 Smiley Wink

 

Since each of the score ranges is the same, and each of the three bureaus tends to score in about the same area if they are reading all the same credit file information, we refer to score improvements as the general improvement within only one scoring range. So you are free to interpret the best-increasing bureau as your score improvement, but we don't get to triple-down on adding all three Smiley Happy


Why stop at mearly tripling-down? Smiley Happy What about all the other scores, like car, vantage, TU04, morgate, car, etc, etc.  And there are more than just 3 CRAs.

 

None the less, congrats to the OP.Heart


All the Fico Classic and Enhanced models pull from the "big three" CRAs so EQ/TU/EX scores are available. The same data from the three CRAs is pulled for VantageScore and even educational scoring algorithms developed by CRAs such as EQ's. Unfortunately, many people only have access to free Classic Fico 08 scores from a subset of the CRAs. Most mortgage and enhanced scores are only available as "pay per view".

 

For discussion purposes it is generally best to list incremental increase/decrease in score by CRA along with model type or state something like: "my Fico 08 scores increased by ___ points on average over the last ___ weeks."

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 10 of 22
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