Detailed FAKO score progression moved here also ALL NUMERIC DATA PRESENTED IN THE FOLLOWING BUREAU ORDER: TU,EX,EQ
METRICS INCLUDED ARE IN THE FOLLOWING ORDER: TC FAKO--OPEN--INQ--UTIL% 769,763,768--06,07,07--01,02,07--00%,00%,00%__07-19 766,757,749--06,07,07--03,05,16--00%,00%,00%__07-29__(30 minutes following completion of AOR)
769,757,749--06,07,07--03,05,16--00%,00%,00%__07-30__(EX FICO=787 per WAMU [myFICO.com]) (2 inq disappeared for TU)
768,755,747--06,07,07--03,06,17--00%,00%,00%__07-31
766,751,747--06,10,07--03,06,17--00%,00%,00%__08-01__(3 new accts reporting to EX) (Discover, BOA, NAT'L Parks = 8.0,7.2,10.0)
766,751,735--09,10,10--03,06,17--00%,00%,00%__08-02__(3 new accts reporting to EQ&TU) (Discover, BOA, NAT'L Parks = 8.0,7.2,10.0)
766,751,730--09,10,10--03,06,19--00%,00%,00%__08-03__(2 inq to EQ) (CITI 8/2 + ADVANTA 8/2)
766,751,727--09,10,10--03,06,20--00%,00%,00%__08-04__(1 inq to EQ) (CBUSA/CBSD 8/3)
764,751,727--09,10,10--04,06,20--00%,00%,00%__08-05__(1 inq to TU) (PULASKI 8/3)(CreditXprt scores>TU=770 EX=772 EQ=774)
764,747,724--09,10,10--04,08,21--00%,00%,00%__08-06__(2 inq to EX & 1 inq to EQ) (Wells + Wells & ELAN)
764,747,724--09,10,10--04,08,21--00%,00%,00%__08-07
762,747,719--09,11,10--05,08,23--00%,00%,00%__08-08__(2 inq to EQ & 1 inq to TU//1 acct to EX)(FUSA 8/8 + ADVANTA 8/8 & NCBK-NCCS 8/8)(HSBC = 0.6)
764,737,719--10,10,11--04,08,23--00%,00%,00%__08-09__(1 inq for cli NCBK-NCCS 8/8 yesterday removed from TU;**EX lost one active account)
762,737,719--10,10,11--05,08,23--00%,00%,00%__08-10__(1 inq to TU)
762,737,719--10,10,11--05,08,23--00%,00%,00%__08-11__scores assumed - no pull this day
762,712,719--10,12,11--05,08,23--00%,01%,00%__08-12__(2 accts EX. **CL realloc decreases?)Citi PPE and Wells Fargo (0 CL and 16500CL )
762,712,719--10,12,11--05,08,23--00%,01%,00%__08-13
745,710,719--11,13,11--05,09,23--01%,00%,00%__08-14__(1 acct TU, 1 acct EX, 1 inq EX) Citi PPE at TU (0 CL) Disc and Citi dropped CL (-7000,-26000) RBS Kroger at EX (6500 CL)
742,717,719--13,14,11--05,09,23--00%,00%,00%__08-15__(2 acct TU, 1 acct EX RBS) Wells Fargo and ING LOC at TU (16500 CL and 10000 CL) ING LOC at EX (10000 CL)
742,710,715--14,15,15--05,09,23--00%,00%,00%__08-16__(1 TU,1 EX,4 EQ accts) TU=RBS...EX=UPROM...EQ=PPE,Wells,ING,RBS EQ = PPE(0), Wells(16500), RBS(6500), ING(10000) & Disc (-7000), Citi (-26000) EX = UPROM(500) TU = RBS(6500)
742,710,713--14,15,15--05,09,24--00%,00%,00%__08-17__(Citi Universal Inquiry dated 8/16 perhaps related to reallocation?)
742,710,713--14,15,15--05,09,24--00%,00%,00%__08-18__(1 acct TU UPROM)
742,710,712--15,15,16--05,09,24--00%,00%,00%__08-19__(1 acct EQ UPROM)
742,701,712--15,15,16--05,09,24--00%,01%,00%__08-20__($475 LOC balance reports at EX AND 2nd Mort reduced to 5699 from 7111)
742,701,712--15,15,16--05,09,24--00%,16%,00%__08-21__[1 acct EX NATLCITY {12,750 bal}] BOA at EX reports updated Line of $20k; EX,EQ,TU PLUS Scores (via AMX) 771_771_780
742,701,712--15,15,16--05,09,24--01%,16%,00%__08-22__($475 LOC balance reports at TU AND 2nd Mort reduced to 5699 from 7111)
729,701,680--16,16,17--05,09,24--19%,16%,19%__08-23__[1 acct EQ & TU NATLCITY {12,750 bal}]
729,701,680--16,16,17--05,09,24--19%,16%,19%__08-24
729,701,680--16,16,17--05,09,24--16%,16%,19%__08-25__TU = BOA CLI to $20000
729,701,680--16,16,17--05,09,24--16%,16%,19%__08-26__scores assumed - no pull this day
729,701,680--16,17,18--05,09,24--16%,15%,15%__08-27__(1 acct EX & EQ BOA NEA) EQ = BOA CLI to $20000
729,701,680--16,17,18--05,09,24--16%,15%,15%__08-28
729,701,680--17,17,18--05,09,24--15%,17%,15%__08-29__(Barclays "Parks" line reduction from 10K to 1k reports EX) (1 acct TU BOA NEA)
729,701,678--17,17,18--05,09,24--17%,17%,17%__08-30__(Barclays "Parks" line reduction from 10K to 1k reports to TU & EQ)
729,701,678--17,17,18--05,09,24--17%,17%,17%__08-31
729,701,678--17,17,18--05,09,24--17%,17%,17%__09-01
729,701,678--17,17,18--05,09,24--17%,17%,17%__09-02__scores assumed - no pull these days
732,701,678--17,17,18--04,09,24--17%,17%,17%__09-03__1 TU Inq drops off (dated 11/23/2005)
732,694,678--17,18,18--04,09,24--17%,17%,17%__09-04__(1 acct EX ATTUniversal)
732,694,678--17,18,18--04,09,24--17%,17%,17%__09-05
732,701,678--18,18,19--04,09,24--17%,32%,17%__09-06__(1 acct EQ & TU ATTUniversal; 1 acct EX Citi Prof) EX Citi PPE reports as closed by consumer
729,701,678--18,18,19--04,09,24--42%,32%,61%__09-07
729,701,678--18,18,19--04,09,24--42%,32%,61%__09-08__scores assumed - no pull these days
734,682,657--18,19,19--03,09,24--32%,20%,48%__09-09__(1 acct EQ & TU Citi Prof; 1 acct EX AMX_IN:CHI) TU & EQ Citi PPE reports as closed by consumer; EQ BOA $15K bal shows-up; 1 TU Inq drops off (BRCLYSBANKDE dated 07/29/2007)
734,669,657--18,19,19--03,09,24--32%,29%,48%__09-10__EX BOA $15K bal shows-up
690,663,657--20,19,19--03,11,24--29%,35%,48%__09-11__2 acct TU CHASE Home&AMX; EX Wells $9k bal shows-up TU BOA $15K bal shows-up; 2 Inq at EX for BOA savings and checking accts
690,663,657--20,20,19--03,11,24--29%,35%,48%__09-12__1 acct EX CHASE Home;
686,663,670--20,20,21--03,11,24--35%,35%,35%__09-13__2 acct EQ CHASE Home&AMX; TU & EQ Wells $9k bal shows-up
688,663,670--20,20,21--02,11,24--35%,35%,35%__09-14__1 TU Inq drops off (Nat'l City dated 7/29/2007)
688,663,670--20,20,21--02,11,24--35%,35%,35%__09-15__scores assumed - no pull these days 683 FICO score at Equifax
688,670,670--20,20,21--02,11,24--35%,34%,35%__09-16__1 acct EX CHASE Sony; EX 2nd mortgage reports as paid in full
686,670,670--20,20,21--03,11,24--34%,34%,35%__09-17__1 inq TU Barclays app for another personal card 1 acct TU CHASE Sony
688,670,670--19,21,21--02,11,24--34%,34%,35%__09-18__1 TU Inq drops off (Barclays dated 9/17/2007); TU 2nd mortgage reports as paid in full 1 acct EX Juniper Emigrant Direct
686,670,670--19,21,21--02,11,24--34%,34%,35%__09-19__1 EQ inq drops off (wireless dated 12/06/2005); 1 inq EQ app for Salem Five account; 1 inq TU Barclays app for another personal card shows up again
686,670,669--20,21,22--02,11,24--34%,34%,34%__09-20__1 acct TU & EQ Juniper Emigrant Direct; 1 acct EQ CHASE Sony; EQ 2nd mortgage reports as paid in full
686,670,669--20,21,22--02,11,24--34%,34%,34%__09-21__EX,EQ,TU PLUS Scores (via AMX) 739_739_768
686,670,669--20,21,22--02,12,23--34%,34%,34%__09-22__scores assumed - no pull these days
692,668,675--21,21,23--01,12,21--32%,34%,32%__09-23__2 EQ INQ drops off dated 10/30/2006 & 3/28/2007; 1 TU Inq drops off (NAT'L City dated 8/8/2007); 1 acct WAMU at TU & EQ;EX,EQ,TU PLUS Scores (via AMX) 739_739_772
692,668,675--21,21,23--01,12,20--32%,34%,32%__09-24__1 EQ INQ drops off dated 6/22/2007
692,668,683--21,21,23--01,12,18--32%,34%,32%__09-25__2 EQ INQ drop off dated 6/27/2007 & 7/10/2007
692,671,683--21,21,23--01,12,18--32%,34%,32%__09-26__CreditXprt scores via IdentityMonitor>TU=695 EX=677 EQ=693
692,671,683--21,22,23--01,12,18--32%,32%,32%__09-27__1 acct WAMU at EX
692,671,683--21,22,23--01,12,17--32%,32%,32%__09-28__scores assumed - no pull these days
692,671,686--21,22,23--01,12,17--32%,32%,32%__09-29__1 EQ INQ drops off (CHASE dated 7/29/2007)
692,671,690--21,22,23--01,12,14--32%,32%,32%__09-30__2 EQ INQ drop off (HSBC NV & Infibank dated 7/29/2007
692,671,698--21,22,23--01,12,12--32%,32%,32%__10-01__3 EQ INQ drop off (CBUSA/CBSD & CITI USA & KROGER dated 7/29/2007
692,671,703--21,22,23--01,12,10--32%,32%,32%__10-02__2 EQ INQ drop off (Citi & Citi dated 7/29/2007)
692,671,708--21,22,23--01,12,08--32%,32%,32%__10-03__2 EQ INQ drop off (FIRST USA & FIA CSNA dated 7/29/2007)TU FICO=689 per WAMU [myFICO.com]
692,677,711--21,22,23--01,12,08--32%,31%,31%__10-04__Citi reallocated line increase from 5k to 13.5k @EX,EQEX,EQ,TU PLUS Scores (via AMX) 769_749_772
692,677,714--21,22,23--01,12,06--32%,30%,31%__10-05__2 EQ INQ drop off (Citi & Advanta dated 8/2/2007)
698,677,717--21,22,23--01,12,05--31%,30%,31%__10-06__1 EQ INQ drop off (CBUSA/CBSD dated 8/3/2007)Citi reallocated line increase from 5k to 13.5k @ TU
698,677,717--21,22,23--01,12,05--31%,30%,31%__10-07__scores assumed - no pull these days
698,677,717--21,22,23--01,12,05--30%,30%,30%__10-08
698,677,720--21,22,23--01,12,04--30%,44%,30%__10-09__1 EQ INQ drop off (ELANFINSVC dated 8/6/2007) EX AMX $24K bal shows-up
698,677,720--21,22,23--01,12,04--30%,44%,30%__10-10
698,677,715--21,22,23--01,12,02--44%,44%,44%__10-11__2 EQ INQ drop off (FUSA, NA & ADVANTA dated 8/8/2007) EQ & TU AMX $24K bal shows-up
698,669,715--21,23,23--01,12,02--44%,41%,44%__10-12__EX Final account reports balance - PRINCIPAL 9.6k
698,669,715--21,23,24--01,12,02--44%,45%,45%__10-13__EQ Final account reports balance - PRINCIPAL 9.6k
698,669,715--21,23,24--01,12,02--44%,45%,45%__10-14
698,669,721--21,23,24--01,12,01--44%,45%,45%__10-15__1 EQ INQ drop off (CITI Univ dated 8/16/2007)
696,669,721--22,23,24--01,12,01--45%,45%,45%__10-16__TU Final account reports balance - PRINCIPAL 9.6k 720,701,747--20,21,30--03,11,00--30%,30%,30%__03-16__Some Equifx accounts are in dispute. They re-open closed accounts while being investigated.
______________________________________________CreditXprt scores via IdentityMonitor>TU=689 EX=682 EQ=683 726,695,745--20,21,21--03,10,00--xx%,xx%,xx%__04-16
722,689,745--20,21,21--03,11,00--xx%,xx%,xx%__05-01
724,695,745--20,21,21--02,11,00--xx%,xx%,xx%__05-02__TU b*
726,695,745--20,21,21--01,11,00--xx%,xx%,xx%__05-05__TU b*
726,710,745--20,21,21--01,11,00--xx%,xx%,xx%__05-07__$20k Citi Prof Paid at EX
726,710,755--20,21,21--01,11,00--xx%,xx%,xx%__05-08__$20k Citi Prof Paid at EQ
743,710,767--20,21,21--01,11,00--xx%,xx%,xx%__05-12__$20k Citi Prof Paid at TU
753,730,767--20,21,21--01,11,00--xx%,xx%,xx%__05-13__$8k Infi at EX; $9k UProm at TU
771,722,767--20,21,21--01,11,00--xx%,xx%,xx%__05-14__$8k Infi at TU
771,722,774--20,21,21--01,11,00--xx%,xx%,xx%__05-15__$8k Infi at EQ
772,722,774--20,21,21--00,11,00--xx%,xx%,xx%__05-18__TU b*
772,730,773--20,21,21--00,11,00--xx%,xx%,xx%__05-22__Paid of small $50 LOC balance at EX
772,730,769--20,21,21--00,11,02--xx%,xx%,xx%__05-29__EQ 2 hards - CLI req (RBS & CHASE)
772,730,761--20,21,21--00,11,06--xx%,xx%,xx%__05-30__EQ 4 hards - CLI req (citi, citi, citi, citi)
771,730,761--20,21,21--01,11,06--xx%,xx%,xx%__06-01__TU 1 hards - CLI req (NAT'L City)
771,730,760--20,21,21--01,11,06--xx%,xx%,xx%__06-08__EQ incorrectly reports Infi $2k cli as a cld from $14,000 to $1,600 (missing a zero)
771,737,760--20,21,21--01,11,06--xx%,xx%,xx%__06-09__EX reports $500 cli for a CHASE account & $2k cli for Infi 780.750.785--20,21,21--01,11,06--00%,00%,00%__06-19__ALL BALANCES REPORT AS PAID OFF - AOR COMPLETE
780.750.792--20,21,21--01,12,01--00%,00%,00%__08-16__AOR COMPLETE
**In June, I closed a small Credit Union LOC. It had been open for 5 years. 1 account closed=10 point drop in score at EXP.
**from Citi 31k↓5k and Discover 8k↓1k
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