I really wanted to check my own numbers so I won't be surprised when my loan officer told me the numbers. He pulled in 01/07 & my scores were 585, 524 & 592. He pulled again in 05/07 & they changed to 623, 526 & 549. Pesky TRANS went down by 43 points. WTF......
I have had more than 37 deletions from my all CRA, including a fraud account that were reporting late payments in the last 60 days. That tore up my points I believe but I can't be certain that's what cost me the 43 points. I'm almost positive that's what cost me the points. I also mistakenly consolidated my student loans as I am in deferment as when I started to pay again I wanted to make 1 payment and not 2. Not thinking it would hurt me, I did that in Feb 07. But I guess with Transunion it hurt me, but I can't be sure if that played a part in the dip. Also to help my scores as well I have paid down the balance on 3 of 5 CC to zero or less than $10 each. Monthly charge got the best of me on that. # 4 CC I owe 250 of 800 balance & #5 CC my balance is at limit. I'm working on #4 & 5 down to zero in the next 2 months. I working on improving my credit & keep it that way. I know if I keep paying on time with all accounts I will be OK and just get better & better over time. I am also trying to figure out how can I keep the cards if I don't charge on them, They will eventually cut me off if I don't use them.