Scores Haven't Change in 6 Months

[eddymvp]

I was addicted to checking my score twice a month for six months and I stopped checking them in June. Now i'm getting ready to purchase my first house in this spring and I wanted to see how much my scores have improved. 

Since June, 2008. I opened up one account with carecredit to pay for my lasik. They care me a CL of 3K and the Current ballance is $2300. 

I also opened up a Car Loan in the same month for 5K and the current balance on that is 4K.

The carecredit account changed my utilization from 10% to 31% and I've been making my payments on time monthly.

My scores in June  before these two activities were

 

My Fico scores were

EQ: 697  6/2008

EX: 635  5/14/08

TU: 645 5/6/08.

Today I checked all my three scores and they are:

EQ: 677

EX: 635

TU: 630

Credit Card accounts.

CareCredit CL: 3,000 BL: 2,300 opened in June, 2008.

Walmart CL: 400, BL: 0 opened in April, 2008

Kay  CL: 3,000 BL: 0 opened in April, 2008

JBL Robinson CL: 3,000 BL: 0 opened in April 2008

DCU CL: 3,000, BL: 1,263 opened in Octoboer, 2007

Capitalone CL: 2,000 BL: 646 opened in January, 2005

HSBC CL: 1,900 BL: 607 opened in October 2007

Juniper CL: 400, BL: 100 opened in April 2008

Changes since June 2008.

Received a CLI from Capital one from 1,500 to 2000.

Received a CLI from Walmart from 300 to 400.

[laz98]

you said your scores haven't changed, but it sure looks like they have.  do you mean they haven't changed MUCH?

[eddymvp]

They haven't changed much and experian has been the same where there have been a lot of activities in the accounts.

[BungalowMo]

One question...on your Care Credit acct, have they recently dropped your credit limit?  I ask because they did to mine.  I opened it with a 2k limit about a year ago.  Highest bal was about 750 & never late & payments were always more than the min.  I got a letter from them stating they were dropping my available credit to 1100.00

Times are tough & companies are dropping limits for people across the board.

Anywho...this drop caused my util % to be higher.  Maybe that's what happened to you & you weren't aware of it.  Check your report for your available credit thru them.  It may have dropped.

[eddymvp]

I opened up the account in June and they gave me a CL of $3000 and within a week my balance was $2900. I've been making 100 payments every months since that and my balance is $2300, my available credit is $700 and my CL still the same.

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@BungalowMo wrote:

One question...on your Care Credit acct, have they recently dropped your credit limit?  I ask because they did to mine.  I opened it with a 2k limit about a year ago.  Highest bal was about 750 & never late & payments were always more than the min.  I got a letter from them stating they were dropping my available credit to 1100.00

Times are tough & companies are dropping limits for people across the board.

Anywho...this drop caused my util % to be higher.  Maybe that's what happened to you & you weren't aware of it.  Check your report for your available credit thru them.  It may have dropped.

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[MidnightVoice]

My EQ score just sits there and does not seem to move at all.  It has been basically 795 to 803 for 6 months