792 FICO Credit Score
November 16, 2008 by awjolls
Filed under MyScoreBlog
Okay, yes, i know a 792 is a great credit score, but for those of you who follow along with me tracking Score Watch, this is a decrease of 6 points from last month.
The culprit? I let my American Express go up by $1000. How? I didn’t stick to my own plan of paying 2x per month and it hurt my score. One of the key strategies to improving your credit score is leveraging the fact that you get paid twice per month, to pay off each month.
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792 Credit Score, Down -5 from October
800 FICO Score
October 1, 2008 by awjolls
Filed under MyScoreBlog
Got my Score Watch Alert today. My FICO Credit Score is up +5 points.
Ok, what a bizarre way to get back up over 800. One of my cards changed its description from “Charge
Amount in H/C column is credit limit” to “Closed or Paid Account/Zero Balance Charge” This means that my FICO score has increased by over 30 points in a few months and that I’m back in the 800s.
Remember, I once hit an 831 FICO Score but that was a few years back when I had no home loan. Yes, while mixture of credit is supposed to help. My mortgage has made it harder to reach my old record with the Equifax FICO, but I’m going to keep on trying!