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! Just Venting! Nicole
Only thing I can think of is the two new positive tradelines need to age a bit before they start boosting your score, and depending on what your balance to limit ratio is now, compared to several months ago, (if higher) it too may be affecting your score.
