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Transunion Fico UP????

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Anonymous
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Transunion Fico UP????

I put a 2,700 tuition bill on my DCU card, then paid off 800 in one cycle.  TU gave me 4+ points.  Why?

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NRB525
Super Contributor

Re: Transunion Fico UP????

Your question leaves a lot to the imagination:

When was the charge made?

Did that first charge report by itself?

What is the limit on the card?

Did the payment post in a different statement, or the original charge never was on a statement, it was immediately reduced?

What else is going on in your file? Other cards getting payments / reductions of balances? Total utilization level?

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
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