TU score jumped 58 pts! I have no clue why..

SouthJamaica · ‎01-05-2016

@Anonymous wrote:
So this just happened and I have no clue why.

My TU score went up 58 points from 694 > 752! **bleep**?!

My scores did recently go up because I brought util down from 30% to 12%. TU only has 1 collection showing still, medical bill from 6 years ago. No other negatives....beats me.

Any thoughts?

UPDATE:::: LAST AND FINAL COLLECTION REMOVED, THIS WAS THE OUTCOME!

Congratulations. Must feel good

Unify FCU Platinum Visa Variable Rate 35k

TD Bank Business Solutions Visa (Bus) 25k

FNBO Evergreen Business Edition Visa (Bus) 20k

Liberty (formerly Evansville Teachers) FCU Platinum Prime Plus MC 15k

US Bank Triple Cash Rewards Visa (Bus) 12k

SEG-fenced credit union Platinum Visa 10500

Comenity AAA Travel Advantage Visa $6200

Members 1st FCU Low Rate Platinum Visa 5k

PLOC: Langley FCU 40k; Penfed CU 15k; NFCU 15k; Teachers FCU 15k; Affinity FCU 10k. BLOC: NFCU 5k

Total revolving limits 741200 (620700 reporting) FICO 8: EQ 703 TU 704 EX 687

EW800 · ‎01-05-2016

Congratulations!!

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
April 2024: EX8: 840; EQ8: 832; TU8: 842 -- Middle Mortgage Score: 822
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .

ddemari · ‎01-11-2016

Congratulations that's wonderful!! When my midland collection came off reports, TU jumped 52 points also! It was so nice to see. Those collections can really hold your score back, I never want them on my reports again!

Anonymous · ‎01-12-2016

CONGRATS

dman23 · ‎01-12-2016

Congrats!! I had a 60 & 90 day lates fall off last year and got a 40+ point boost. After that happened, as well as after the boost you received we can all see how damaging collections and being late on payments can be to your credit score.

myFico Score Experian: Start (4/21/14) 626 Current (5/7/16) 841
myFico Score Equifax: Start (4/30/14) 694 Current (5/6/16) 838
myFico Score Transunion Start (5/01/2014) 727 Current (5/7/16) 842
Discover (4/24/14) 659 (5/5/16) 842

dman23 · ‎01-12-2016

@Anonymous wrote:
@Aahz wrote:
Congratulations!!

It's so nice to be judged on who we are today as opposed to who we were so many years ago
Absolutely!!!

I've been busting my ass the last year and a half and my mistakes from over 6 years ago are still haunting me...learned my lesson for sure, never again will I screw this up.

You`re reward will be coming soon!

myFico Score Experian: Start (4/21/14) 626 Current (5/7/16) 841
myFico Score Equifax: Start (4/30/14) 694 Current (5/6/16) 838
myFico Score Transunion Start (5/01/2014) 727 Current (5/7/16) 842
Discover (4/24/14) 659 (5/5/16) 842

Anonymous · ‎01-12-2016

I recently had a collection removed and saw 78 points. Did you do a - Happy Dance? Congrats!

Thomas_Thumb · ‎01-12-2016

http://www.hngn.com/articles/138822/20151010/best-happy-dance-watch-parrot-when-finds-paper-towel-pl...

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

Re: TU score jumped 58 pts! I have no clue why..

Re: TU score jumped 58 pts! I have no clue why..

Re: TU score jumped 58 pts! I have no clue why..

Re: TU score jumped 58 pts! I have no clue why..

Re: TU score jumped 58 pts! I have no clue why..

Re: TU score jumped 58 pts! I have no clue why..

Re: TU score jumped 58 pts! I have no clue why..

Re: TU score jumped 58 pts! I have no clue why..