Oh so close! / Oh so closer!

[Anonymous]

To FICO high achiever status!! (As far as TU is concerned.)

I pulled my TC TU change report today and it looked like TU had managed to lose both of my remaining lates. So I pulled my report/score from transunioncs. (Which was technically problematic for the first time ever. I did have to call TU and have them unlock my account mid-transaction. TU does not like giving me reports! I cannot pull TU here at all. TU returns a code to myFICO that says I live in a correctional facility!) The transunioncs report showed no lates, but the score computes one late on one account. The presented negatives are reporting lates = 1 and too many accounts with balances (which I have already fixed prior to today by PIFing an account).. UTIL = 8%, mostly low interest BT's.

Dropping that late, lowering the number of accounts reporting lates to one and lowering UTIL from 9% to 8% bumped my score by 18 points to:

749!

Message Edited by creditwherecreditisdue on 09-19-2009 10:21 AM

[Anonymous]

Congratulations!

You may be a FICO High Acheiver by years end at this rate.

[Anonymous]

Eleven more points...

[Anonymous]

I hope to welcome you to the club sooner rather than later!

Maybe another soft pull CLI will help you along as well as the usual paying on time and reducing reported utilization percentage.

Message Edited by plasticman on 08-28-2009 12:14 PM

Message Edited by plasticman on 08-28-2009 12:15 PM

[Anonymous]

---

@Anonymous wrote:

To FICO high achiever status!! (As far as TU is concerned.)

I pulled my TC TU change report today and it looked like TU had managed to lose both of my remaining lates. So I pulled my report/score from transunioncs. (Which was technically problematic for the first time ever. I did have to call TU and have them unlock my account mid-transaction. TU does not like giving me reports! I cannot pull TU here at all. TU returns a code to myFICO that says I live in a correctional facility!) The transunioncs report showed no lates, but the score computes one late on one account. The presented negatives are reporting lates = 1 and too many accounts with balances (which I have already fixed prior to today by PIFing an account).. UTIL = 8%, mostly low interest BT's.

Dropping that late, lowering the number of accounts reporting lates to one and lowering UTIL from 9% to 8% bumped my score by 18 points to:

749!

---

I pulled the TC TU change report today and noticed I have on more account reporting zero balance. So I pulled my TU FICO again and:

     I lost one of the negative reasons - now down to one only (evidence of one late, even though TL's show no lates)

     UTIL = 8%

     Oldest account = 10 y 6 m

     AAoA = 4 y

754!

Oh so closer!!

Message Edited by creditwherecreditisdue on 09-19-2009 10:55 AM

[Anonymous]

WTG, CWCID!

Congrats!

[MarineVietVet]

754!

Oh so closer!!

ONLY 754???  Ho Hum. 

LOL. Just kidding. Good job!!!

[smallfry]

cwcd I wonder if you have 6 points in that report with a lower utilization? Congrats.

[Anonymous]

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@smallfry wrote:
cwcd I wonder if you have 6 points in that report with a lower utilization? Congrats.

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I suspect so, but I will have to crawl and not run there. I wonder how many points a 1% drop is good for...

I would also really like to see EQ go back over 720. That reports still reflects the 13 lates, including the baddie lates. It was over 720 a while ago and needs to get back there soon!

[haulingthescoreup]

Congrats! It won't be long now.