Score Change 04/15/2009 
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Your score rose above your target score of 594. You may set a new target score by updating your Alert Preferences.
Explanation of Score Change
This jump in your FICO® score happened on the same day as a change on your Equifax Credit Report™ which triggered an alert.
- It's likely that the change in your credit report caused this jump, but this is not always the case. Your score may have changed for other reasons, such as paying back your debts responsibly, which isn't always reported as a credit alert. Also, if multiple changes on the credit report happened on the same day, some may have hurt the score while others helped it.
Negative Factors
The following 1 negative factor(s) are not hurting your score as much as before:
- The proportion of balances to credit limits on your revolving accounts is too high
FICO is so hard to keep up with. Just last week my score was 613. I paid several chargeoffs last month. My score dropped to 594 after Macy's updated the paid charge off due to FICO interpreting the update as a missed payment when they changed the last activity date. Today my score jumps up almost 40 points for paying the charge offs. Apparently this boost was caused by my revolving debt changing to 0% from the paid charge offs.
Just a FYI for the credit gurus and credit novices such as myself.