Right now, I just love how my myfico score keep fluctuating. It's almost like a living thing. Just lost 6 points because the balance on my Chase Freedom went up a little bit. I had that paid off for a few months. I am using this card instead of the Amazon.com Visa because I am almost at 50% utilization on it and need to pay it down. I'm gonna get chase to take off the protection thingy because I have no use for it.

Thanks Yoyo. Maybe the 700 club next year

I joined!

went to myfico.com and my scores are as follows

Transunion 648

Experian 628

Equifax 670




there is life after bankruptcy

Congrads

Thanks Yoyo. Maybe the 700 club next year?

I got all my FICO's on Monday from myFICO. Tu 637, EQ 640 and EX 622. Experian Plus score 630. Well today I got an alert from Freecreditreport.com. I logged on and got a new credit report. Well checking the Plus score I saw it went up to 687. I thought WOW! A jump of 57 points. I know it isn't a real FICO but if the 2 are only 8 or 10 points difference between them, I still got a big jump and I am happy. I want to get myFICO's again but I will wait to see if those baddies were taken off and see if my real scores have changed. I got Creditkeeper coming

Congrads :laugh:Rob..join my club: Fico's here!

No problem

Thank you, HJM.

Shark6 and Rob, congrats to both of you! Keep up the good work, good luck.

I got all my FICO's on Monday from myFICO. Tu 637, EQ 640 and EX 622. Experian Plus score 630. Well today I got an alert from Freecreditreport.com. I logged on and got a new credit report. Well checking the Plus score I saw it went up to 687. I thought WOW! A jump of 57 points. I know it isn't a real FICO but if the 2 are only 8 or 10 points difference between them, I still got a big jump and I am happy. I want to get myFICO's again but I will wait to see if those baddies were taken off and see if my real scores have changed. I got Creditkeeper coming.

You go Shark6, I am so happy for you.

Todays I got notification from Scorewatch that my score increased by 5pts today and on Sunday by 9pts.

I'm getting closer to 650 which was my goal by the end of Aug. My second goal is to get to 675 by the end of Nov.

Kellbell, your score for on-time payments isn't really based on a monthly basis. It's all about consistency because the longer you stay away from late payments, the higher your score will increase. You should see a significant jump every 6-12 months.

No Shark6, one day you will get PAST those scores! One on time payment at a time, one day at a time. One day you will look at those scores and say "been there, done that"

Amen to that, Amen to that!

How many points are added to your score for each account and each on time payment?

I went on a credit application binge 4 months back (if you can remember) and my FICO took a dramatic drop. It has been 4 months since my last credit application (I think), my utilization is at 20%, and obviously I have no lates or anything derogatory in the past 2 years.

However, my FAKO has remained stagnate. No change. I'm sure my FICO has changed somewhat, but when can I expect some drama?

I guess patience is a virtue, but I can't wait!

I usually look into the future rather than the present, I can't help it.