T/U jumps from 721 to 769 from inquiry removals??

[sheetzboogie]

Can one of my in house experts please explain how 3 inquiry removals added up to a 48 point increase?? Believe me I'm not complaining but Nanna always said "if it's too good to be true then it probably is!" Any input would be appreciated.

[cv91915]

Something else changed.

[Deadbeatloser]

Maybe... There seems to be thresholds. You may have gotten under one of them.

[mendelssohn]

Where did you get the scores?

[parisamour]

IF it is a FICO , something else has changed , possibly lower utilization or other factor.

If it is a FAKO , , ignore it, they are not accurate at all.

Edited December 9, 2014 by parisamour

[sheetzboogie]

I got my scores from MyFico.com. And I thought something else changed too but it didn't. I did apply for a Barclay credit card 2 days prior but that couldn't have helped me. I think a mistake was made somehow. I sincerely don't understand.

[mendelssohn]

Did any accounts hit an anniversary? AAOA hit a milestone?

[sheetzboogie]

Yeah, I think my utilization did just get reported. My limit was 2k, $1600.00 balance and I paid it down to less than $100.00. Ok, ok. Thanks gang!

[BobWang]

Ayup,

 

the French Lover nails it

[HoustonLynne]

Ayup,

 

the French Lover nails it

 

[BobWang]

[HoustonLynne]

[BobWang]

[HoustonLynne]

[BobWang]

[ronsetoe]

Claire Dunphy is kind of HOT

[david_weaver]

Yes, TU is terrible on MyFico. It takes something like an inquiry or new account to force a refresh, so if you have made many positive strides since last update you end up with massive swings instead of minor changes like you see with EX and EQ. I had a 50 point swing from an inquiry as I , like you, had paid off a ton of balances and it had not updated.

 

My third month just billed over the weekend, so I have fulfilled the obligation. It will be cancelled before it bills a fourth as it was an absolute waste of $.

[Civiljudgements]

Yes, TU is terrible on MyFico. It takes something like an inquiry or new account to force a refresh, so if you have made many positive strides since last update you end up with massive swings instead of minor changes like you see with EX and EQ. I had a 50 point swing from an inquiry as I , like you, had paid off a ton of balances and it had not updated.

 

My third month just billed over the weekend, so I have fulfilled the obligation. It will be cancelled before it bills a fourth as it was an absolute waste of $.

+1 I had a 13pt increase on TU yesterday from 1 inquiry! Should I app 20 more times to make it into the 800 club???

[sheetzboogie]

So wait, wait, wait! The inquiry made the system refresh to take into account my new balance??

Edited December 10, 2014 by sheetzboogie

[BobWang]

That was a joke.

[HoustonLynne]

So wait, wait, wait! The inquiry made the system refresh to take into account my new balance??

Yes. See post # 2.

[chugs102]

I hate ponies. They're good only for glue and Taco Bell stuffing.

Edited December 10, 2014 by chugs102

[mendelssohn]

 

 

So wait, wait, wait! The inquiry made the system refresh to take into account my new balance??

Yes. See post # 2.

I have that member on ignore.

[HoustonLynne]

 

 

So wait, wait, wait! The inquiry made the system refresh to take into account my new balance??

Yes. See post # 2.

I have that member on ignore.

 

No you don't.

[mendelssohn]

I hate ponies. They're good only for glue and Taco Bell stuffing.