Can someone please explain??? Back in January when I started my journey, my EX score was 595.
Since then I had 3 negative tradelines removed and 2 positives added. Score dropped to 563. Now yesterday a negative tradeline (chargeoff) appeared out of nowhere and an inquiry from my mortgage company showed up and my score went up 3 points!
I just don't get it! It just goes to show that the scoring system is bogus!