No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Here's the situation:
I have no debt, I always PIF before statement cuts so my util is always 0%. No new inquiries, no new debt, nothing. Tonight, I pull my score and there was a 20pt score increase from 784 to 804... Im not complaining, however, I have gone line-by-line and absolutely NOTHING is different. Anyone happen to have an explanation?
Age
I concur with usmccop. You may have jumped into a bracket for AAoA purpose, which could have increase the score. Also PIF over certian periods consistently might have done that too. Those are two possible guess that I can think of.