SCORES NEVER CHANGE

[Anonymous]

My scores (fico) never change.

TU has been 727 for a year

EQ has been 698 for a year

EX ha been 703 or 704 for a year ( they charge me a pt for an inquiry.  (Verizon)

My utilization is 1 to 2%.

I have had 4 clis in a year.

I have a new cc that just turned 9 months old.

It boggles me.

I put another post about EQ  Factors affecting my score are good very good  very good and great. My score does not move They have me at 698 which is not good.

I could just scream..........................scream..............................scream.......................can you hear me  EQuifax?

[Anonymous]

I've had the same issue with TransUnion.   I haven't checked the other 2.   You seem to be doing everything right.

[Anonymous]

How many credit cards do you have?

[Anonymous]

6 open-----9 closed

[Anonymous]

Well you should grab a couple of points at 12 months for the inquiry/birthday effect. Your mastery of maintaining very low utility has probably maxed out your scores for now.

[smallfry]

Annie you have that BK showing right? Any other baddies since the BK? Although I have seen one person with extremely high scores 7 years post BK (775-790) I think there might be an upper limit in our bucket. Maybe. Age should push them up eventually.

[Anonymous]

Wow, that must be REALLY frustrating!  My scores have not changed in 4 months and I'm getting disgusted with it already. 

I have paid balances down from about $5k in May to $2000 last month.  My utilization at that amount is 2.6%.  I have 6 credit cards, absolutely NO baddies except for a paid charge off on a co-signed auto loan that hits 7 years in December.  I got an alert today that a dormant card had activity, $200 on my Discover Card because I started using it for the rewards.  It didn't change my score one bit.  I just paid all credit cards down to 0 except for $500 left on one card that has a CL of $16,400.  When they report I HOPE there is some type of change!!

[Anonymous]

Pittsburg--your scores are fine.  I did post a 14 pt increase on EX this week.  But TU and EQ remain the same.  It really wouldn't bother me but the 698 is listed as problem credit.  although EQ thinks it's good.

EQ 698

TU 727

EX 717

My BK is 8.9 months old and no baddies and perfect payment history.

Message Edited by casinoannie97 on 08-19-2008 05:11 AM

[Anonymous]

It has just been 9 months since your BK and your scores are that high? How many credit cards do you have post BK? It has been 5.5 years since my BK and my score is in the 630's . Did you go on an app spree?

[Anonymous]

I did some score simulations on another site and it seems to me that the older your bankruptcy is the less it impacts your score.  Mines was recently removed from my EQ report and my score went up a few point but nothing significant and then the next day it went back down by 4 because a new collection hit.  Fought and got the collection off and my score went up by 6. so go figure.

What's this birthday thing about?  My birthday is coming up next week.  Is there some correlation between your score and your age/birthday?  If so, that would be awesome!