I received an alert this morning from MyFico. My credit file is different from a lot of others in that when I carry a small balance on my cards, my score goes up. Today, after my accounts updated Tu went up 13 points to 672, EQ went up 38 points to 674 and Ex went up 20 points to 662. This is the second month I have had incredible gains in points. After my BK drops off in 15 months I should be close to the 700 club, if not already there. I did read somewhere here that if they is a BK showing it's impossible to get into the 700 club. We shall see....
