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August PSECU Experian FICO now up

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stuck at the same number, 613, for 5 months in a row. Mine's all due to utilization and it won't be paid down to a decent level for another 18-24 months (unless I hit PowerBall or find a briefcase full of cash somewhere!)

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:offtopic: Where are the Walmart FICOs this month? :search:

 

I have mine...

 

E: Oops...it's July. :blush:

 

What do you mean, I got mine. :grin:

 

TUFICO8-9-2012.png

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First month in PSECU

 

693

 

0% util. No open revolving accounts yet.:dntknw:

 

Bob, I can give some CS/CK/USAA/other data too if you are interested. Might be :offtopic:for this thread.

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First month in PSECU

 

693

 

0% util. No open revolving accounts yet.:dntknw:

 

Bob, I can give some CS/CK/USAA/other data too if you are interested. Might be :offtopic:for this thread.

I'm always interested, just post them here.

 

I'll bump the PSECU beg thread too. :D

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:offtopic: Where are the Walmart FICOs this month? :search:

 

I have mine...

 

E: Oops...it's July. :blush:

 

What do you mean, I got mine. :grin:

 

TUFICO8-9-2012.png

Did you just open your Wal-Mart account and get your first score with it? The normal monthly score updates are dated usually around the 2nd or 3rd, and are visible around the middle of the month.

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737 Same as last month.

I thought I would get a little boost from hitting 5 years average age this month,

I will see if EQ get a boost in Nov.

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Late last year my PSECU EX FICO tanked about 40 points in one month and has been hovering in the 740ish range ever since (partially due to 3 new accounts this year). I figured that all of the new accounts finally caught up to me and I'd been re-bucketed as I'd recently added two new AmEx cards a couple months prior. However, upon closer examination a few months ago, I found that after Direct Loans realigned their loan system and duplicated previous TLs under a new name & closed the old TLs (same age), they never reported the new one to Experian. So, even though I look $50K less in debt on Experian, not having that open installment account is wrecking my EX score by 30-40 points! A mortgage pull would love that, but a computer score hates it!

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