October DCU EQ FICO is up!

[mendelssohn]

+40 to 721

 

My third 1992 Amex reported and I passed an anniversary on my student loan baddies.

 

I also lost a few inquiries, but I doubt that is responsible for much.

Edited October 31, 2014 by mendelssohn

[shifter]

me: 752 (+2) - B*

 

wife: 771 (-8) - let a bunch of statements cut with small balances last month.

[chugs102]

746 (+2)

 

I need AmEx to let me back in so I can abuse the D*

[ronsetoe]

-5

Been adding too many new accounts. I think I will lay low for a few months

[mendelssohn]

Does anyone know what could be reporting as a finance account? Look at the reason on the right:

 

 

I've never gotten that reason before, and I also have no finance company accounts reporting on EQ. Is it the way Synchrony is reporting now?

[mizliz1011]

746 (+2)

 

I need AmEx to let me back in so I can abuse the D*

Equifax Credit Score as of October 31, 2014*

758 is your Credit Score as of

October 31, 2014

but the rest of mine are in the upper 600's. Why is this 50 points higher than MyFico?

 

My PRG is not reporting...paid in full before closing 10/17, opened Oct 1, pushed $8K through that puppy...

Edited October 31, 2014 by mizliz1011

[shifter]

04 vs 08.

[mendelssohn]

04 vs 08.

Have you encountered the "finance company" reason before? Any theories on why that reason came up without any finance companies reporting?

[lpkirby]

+30, Nice and steady I go....

[casemodgod]

+3 to 710.

FICO08 from EQ is 689 for reference.

 

I think the fact my child support reports that its past due every month, no matter what the situation is, kind of has something to do

with my scores staying still.

 

Even though I thought it wasn't supposed to actually affect scoring.

It says I'm 120 days late every month

Edited November 1, 2014 by casemodgod

[cv91915]

+40 to 721

 

My third 1992 Amex reported and I passed an anniversary on my student loan baddies.

 

I also lost a few inquiries, but I doubt that is responsible for much.

That's outstanding! Nice...

[cv91915]

Does anyone know what could be reporting as a finance account? Look at the reason on the right:

 

 

I've never gotten that reason before, and I also have no finance company accounts reporting on EQ. Is it the way Synchrony is reporting now?

I see this reason pretty much every time I get a score disclosure from a mortgage app.

 

I assume this is from having a store card reporting... I don't have any furniture installment accounts or anything like that either.

[MCoryB]

Since refinancing my car through DCU and doing a fair amount of cleanup work, mine went from 617 two months ago to 643 today.

 

 

Sent from my iPhone using Tapatalk

[Pixicredit]

Mendel that's pretty damn exciting! What anniversary did you pass with the student loans? I thought they weren't due to fall off till late next year?

[mendelssohn]

Mendel that's pretty damn exciting! What anniversary did you pass with the student loans? I thought they weren't due to fall off till late next year?

6 years from DOFD.

[DAR77]

+34 to 701

 

I hate the different scoring models !!! MYFICO is 734 have 3 cards near max the will report at zero next month so i hope to see a nice jump.

[Goose123]

-1 to 687, I was hoping for bump with the new NASA reporting. It took my utilization way down. My mortgage started reporting this month too. I don't plan on applying on anything for another year, so it's just interesting to see what makes it change.

[daddyro]

714 1st eq fico as I now have 6 months of reporting. Kinda disappointed, EQ as you know is still reporting 7+ yr old chapter 13 dismissed.

[ManofB]

+3 to 710.

FICO08 from EQ is 689 for reference.

 

I think the fact my child support reports that its past due every month, no matter what the situation is, kind of has something to do

with my scores staying still.

 

Even though I thought it wasn't supposed to actually affect scoring.

It says I'm 120 days late every month

I would see a lawyer to see if there is anything that can be done about the child support reporting. That doesn't seem right

[cv91915]

753-5=748

[ManofB]

753-5=748

Any particular reason for the drop?

[ericgunit]

-19 = 711 (new accounts and not sure what else yet).

[OnMyOwnMom]

19 point difference - MyFICO is higher than DCU FICO...

[casemodgod]

 

+3 to 710.

FICO08 from EQ is 689 for reference.

 

I think the fact my child support reports that its past due every month, no matter what the situation is, kind of has something to do

with my scores staying still.

 

Even though I thought it wasn't supposed to actually affect scoring.

It says I'm 120 days late every month

I would see a lawyer to see if there is anything that can be done about the child support reporting. That doesn't seem right

 

My case ends this month, after almost 18 years of paying. Once I make the final payment I'll immediately send the dispute

request at that point.

[cv91915]

 

753-5=748

Any particular reason for the drop?

 

 

No idea. That's practically no change at all, so I didn't really look very closely.