I just checked credit manager and my Experian report has gone up 15 points from yesterday. There has not been any type of change. No removals, deletions, nothing.... HOw is this possible? Now i"m at 623 +15= 638
Did you pay off/down any CC balances? Did any new cards hit the one year mark or hard inquiries hit the 6 month mark? Any new cards reporting?
I only paid my regular cc payments. and I only have 1 inquiry in the past 6 months. I don't have that date that the inquiry was pulled.
I'm stumped. I can almost always tell what causes my score changes. Although I did have an increase of 12 pts. on CE one time that I couldn't find anything that changed.
Well Tina, I spoke to soon. I checked tonight, I got a 16pt. increase. The only thing I could find that might have made a difference is I have a derog account with 2 x 60 day lates that just turned 3 years old this month. No major balance changes, no inquiry changes. [edit] That seems to be the reason. I checked my reason codes, the lates are now my third reason code, it used to be my first.
I rechecked my report and I hit 1 year on one accout and 4 years on another account. the anniversary month is May. So do you think the others will increase....
Yeh for me.... I just checked Credit Watch Equifax was 588 now its 601. I think I'm officially in the 600 club. I still haven't figured out what made my score increase. Eq-588 + 13= 601 Ex - 623+ 15 + 638 Tu - 531 haven't checked How can I get Tu scores without ordering a new report????
You have to order a new report. You can say you were declined credit, stick in any old name (ie Sears)and a date within 60 days of today. Presto... A new report and score for free.
