My TU score hit 765 happy days are here

Anonymous · ‎04-04-2017

Ok micromanging credit scores has become part of new hobby along with cli and gardening. It paid off and am doing the happy dance. Now will I try to micromange EQ. next week. EX is hurt by storm repair usuage on Disco. so it has high % that will take a while to pay off. I am so excited.

Anonymous · ‎04-05-2017

Congrats on your score. What do you mean by EX is hurt by Disco? Do they only report to EX for you or something so you're only showing high utilization to one bureau?

Anonymous · ‎04-05-2017

BBS Disco only posted on the one. Exp.

Anonymous · ‎04-05-2017

Interesting. How long have you had the card and has this always been the case?

Anonymous · ‎04-05-2017

I have had for 8 months. It seems to report to all about 2/3 of the time the other 1/3 just exp.

909 · ‎04-06-2017

Well done on your progress!

Fico 8 Scores
7/2020: EQ - 842; TU - 832; EX - 848
10/2017: EQ - 823; TU - 835; EX - 824
05/2016: EQ - 712; TU - 706; EX - 710
11/2015: EQ - 694; TU - 651; EX - 653
5/2015: EQ - 670
5/2014: EQ - 653
11/2013: EQ - 645
05/2013: EQ - 656
11/2012: EQ - 646

Eight CCs ($179,500 CL, 0%-1% UTIL)
AoOA = 18.6 years, AAoA = 60 mos., AoYA = 18 mos.
One mortgage, one HELOC, no car loans.
Derogs from 2009 and 2010 now gone after 7 years. I started paying attention to credit scores in about 2014. It's taken a few years but credit scores are now good after starting in the high 500s back in 2011

Anonymous · ‎04-06-2017

Congratulations!! Keep up the good work!!