Madison wrote:When you have reduced your revolving credit utilization, inquiry dropped from 1 to 0, paid off two credit card balances to $0, increased CL on one CC from $2000 to $3000 with balance dropping from $700 to $600 in that period and it shows and changes show up on my FICO report, made all my Dec. Payments on time and paid more than minimum payments. EQ is supposed to be a snapshot of where you stand each day. I know my credit is better today than it was 30 days ago and yet EQ and MyFico says it isn't. I am totally lost. My credit score of 658 hasn't changed since Dec. 22, 2007. I am trying to improve my score to get home mortgage loan and I can't understand why it isn't moving up. Any advice or explanations?
Madison wrote:37 days and still no change in FICO score......ridiculous!! That was money well spent with MyFico.
Vic wrote:And yet, any derogatory info seems to be on a warp-speed track to posting! Human nature is slow to reward, quick to punish. Whenever $$ is involved, human nature seems to be displayed at it's most candid. Just my 2 cents worth- Vic