I had an old charge-off from my bad credit days removed that should have fallen off a year ago. I re-ordered my Fico for Transunion, and I hit 702! That made my day. Now to see Experian and Equifax boost for the same reason - both of those CRAs are working on it. Hoorah!!!
Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days... April 2024: EX8: 839; EQ8: 845; 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. .
I am wondering if the mobile app takes longer to update. On the internet page for myfico, transunion updates when I ordered the new report. The myfico mobile app hasn't updated yet. Weird. Still, 702! I am so happy about that.
Officially in the Garden: 2-7-15 till 2-7-16 EQ 711 TU 735 EX 709 (Goal Score 750) (current accounts and inquiries need to age)AmexBlueCashPreferred$6.5K /CDP$6.3K/CitiDblCash$1.5k/Discover$4K/AmexGRN / ChaseFreedom$3.5K /Chase Disney$2.5K/ShopHQ$3.8K/Ebates$3.5K/WilliamsSonoma$4.5K/ /Amazon$2.6K/ HSN$2.3K /Walmart$2.3K/JCrew$4.5K / QVC$2.8K/PayPalCredit$884/BOA(sec)$600/The Loft $1000/Target $500/JCPenney$400/VS$500Last App2-7-15
TransUnion removed an old charge off and a bankruptcy from my report that is due to fall off in November. I went to purchase my FICO score from TU here today and my score dropped... What's interesting is that the mobile app shows
Payment History - Good
Amount of Debt- Very good
Lenght of History - Not good
New credit- Bad
On the website it says all the same expect for Lenght of history - good
My AAOA went from 5 years to 4 years. Do you think that with a few months of keeping my report clean, under 6% utilization, I will get those points back?
Over time, yes your age of accounts will even out more and you'll see a rise. My Equifax and Experian took a similar hit with new cards. Transunion went up.
With a good payment history, low utilization, and time your score will rise again.
Officially in the Garden: 2-7-15 till 2-7-16 EQ 711 TU 735 EX 709 (Goal Score 750) (current accounts and inquiries need to age)AmexBlueCashPreferred$6.5K /CDP$6.3K/CitiDblCash$1.5k/Discover$4K/AmexGRN / ChaseFreedom$3.5K /Chase Disney$2.5K/ShopHQ$3.8K/Ebates$3.5K/WilliamsSonoma$4.5K/ /Amazon$2.6K/ HSN$2.3K /Walmart$2.3K/JCrew$4.5K / QVC$2.8K/PayPalCredit$884/BOA(sec)$600/The Loft $1000/Target $500/JCPenney$400/VS$500Last App2-7-15
