Thanks for the tip. I will use that going forward. Odd thing happened today, Got an alert from score watcher on my fico that my equifax score increased 30 points. Said two things may have contributed to this bump. One a balance was reported lower (only 25 dollars on 1600 balance, and a recent collection or public record may not be impacting my score as much. Is this normal?
Your FICO score may have gone up because the following factor is not hurting your FICO score as much as before:
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Starting Score: EXP 621, EQF 558, TU 570