MidnightVoice wrote:
Timothy wrote:
While some other posters have said they did not see a jump after a year of perfect payments-
I did see a significant change-
These will have less of an impact as time goes by-
4 years of perfect payments sent my score soaring from 640 to 670

Then I started getting serious.
That's because you were already approaching perfection, and you had used up all your points! Slackers like me have lots of potential still out there.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007