forevergroovy wrote:
Well, I am not that bad off, really. I know what it said and I was just wondering how accurate it was. It was only the one situation, paying on time, that I used to see this and the lowest in the range put me up 30 points. I was just wondering, that's all. I will just wait and see.
Let us know what happens! There are times that I get a projection of a 20 point rise in 2 years (sigh), and other times where it projects 40-50 points over six months. I saw the big jumps when I was approaching the one-year birthday on a 30-day late and the two-year birthday on a 90. As mentioned above, take a look to see if you have any birthdays coming, either from accounts aging or from baddies aging. I'm not sure if the sims know how to project baddies falling off. I know that Timothy didn't believe that they did.
But in my case, these projected big score hops are usually from reducing util. TU includes HELOC balances in revolving on the simulator, although not in regular scoring, so the TU sim is always incredibly funky.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
since checking them in July. As far as what is on the report it is 90% the same as TU.
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