Just checked my exp report this morning and my score is up 23 points... I have NO IDEA what has changed. I still have the same number of derogs and positive TLs, same # of inquiries. anyone else get a big score boost? any ideas?
Ok this is WEIRD. Here are my FICO reason codes: SCORE FACTORS THAT ARE POSITIVELY AFFECTING YOUR SCORE Listed below are the top factors that raised your score. They are listed in order of importance. � No derogatory information (such as a collection, charge-off, or bankruptcy) on your credit profile Advice » � Three or more credit relationships on your credit profile Advice » � No 30 day (or more) delinquencies Advice » � Presence of revolving accounts Advice » � No installment loans (other than a real estate loan) Advice » WHAT THE HELL.... I do in fact have derogs on my report. This MUST be a mistake. Anyone???
Did one of your accounts just turn 12, 24, or 36 months old? Whether an account is good or bad, its age in years can make a big difference in the score model. Also, it's a fake score, so don't get your hopes up too much.
I had one account turn 48 months last month plus 2 cards are turning 12 months in June... but I still think this is just a creditexpert mistake, its like it can't see my derogs...
