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User Panel
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Posted: 11/3/2009 4:43:58 PM EDT
I've had an acct w/ Equifax for 5 yrs. I get a email when my score changes. I got an email Oct 23rd that it increased 5 pts. Get an email today that increased 60 pts (sixty)!!!
I have never experienced more than a 5 pt swing in 2-3 month period. I have not paid anything off or down substantially. Does anyone have an idea why or how this could happen? I think I might call them in the morning to see if this is a mistake BUT I hope it isnt. |
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Posted: 11/3/2009 4:53:22 PM EDT
[#1]
Don't some things in a credit report lose significance after a certain amount of time. Such as BR no longer affects your credit after 7 years.
Probably something like a bad account you had 5-10 years ago lost any significance and dropped from the report. My guess, worth what you paid for it. |
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Posted: 11/3/2009 4:55:35 PM EDT
[#2]
accounts aging, inquiries falling off after a year, revolving debt has gone below 30%, could be a number of things
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Posted: 11/3/2009 5:03:15 PM EDT
[#3]
I swear to God the people that decide your FICO score just throw shit at a dart board.
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Posted: 11/3/2009 5:05:43 PM EDT
[#4]
Quoted: I swear to God the people that decide your FICO score just throw shit at a dart board. Well, one thing is completely true of the FICO determiners - they really like to punish you for responsibility and fiscal discipline. |
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Posted: 11/3/2009 5:07:19 PM EDT
[#5]
I'm guessing, if your credit card company decreased your limit, this would cause a higher balance percentage resulting in a lower FICO score??
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Posted: 11/3/2009 5:08:43 PM EDT
[#6]
Someone is using your Identity to buy shit and pay it off driving your FICO score up for you?
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