Weirdest (Best) Score Watch Yet

[Anonymous]

An Inquiry was added to your Equifax Report (Amex).  Score Increase + 4 Points.

Nothing else changed (except if anything balance INCEASE).  Last alert balances went up $2k and no change. Fico is truly strange.

Best news it that this puts me at my record; 743.  And that is before 1)  dropping util from 30% to below 5% next month 2) addition of the two 'new' amex accounts that wil further reduce util AND since both will be dated to 1986 (old account) increase average age w/o a hit for new cards.  800 here I come (ok 775)?  Not bad for someone who had 500 Fakos and wasn't even on Fico radar one year ago.

[llecs]

Take each alert with a grain of salt. It won't tell you the whole picture. Perhaps a baddie aged or a new account aged. Or you hit an anniversary for a new account. Many things could have happened.

Here's a couple of mine:

11/11 for myself:

There are a few changes to your credit report today:

• An account shows a balance increase.

Also, your FICO^® score has increased by 20

-- The change was due to reduced utilization and a new account not appearing as new anymore.

 ___________________

11/8 for DW:

There are a few changes to your credit report today:

• A new inquiry has been added to your credit report.

Also, your FICO^® score has increased by 1

-- No clue. She did have an account hit 1 yr old, but increased utilization could have offset any gains.

 ___________________

7/29 for myself:

There are a few changes to your credit report today:

• An account shows a balance increase.

Also, your FICO^® score has increased by 8

-- I think a baddie was removed but increased util offset it.

___________________

1/5 for myself:

There are a few changes to your credit report today:

• A new inquiry has been added to your credit report.

Also, your FICO^® score has increased by 2

-- can't remember that far back....