I'm just wondering if aging of accounts could warrant an 11 point increase? my EQ score went up 11 and after going over them with a fine tooth comb, nothing has changed except the Name and date of the month. Not complaining here just curious.
You're very welcome.
Perhaps next month you'll see an increase in the others. But don't be too upset if you don't.
There are a host of other factors at work here. Do you know about the "bucket" factor? Everyone is not considered equally for score calculation. We are all in "buckets" - for example (I'm making this up, I don't know the exact parameters), there's one with people who filed BK within the past 5 years; there's one with people with 3 or more chargeoffs in the past 3 years; etc, etc.
Sometimes when you're sure your score should be improving, it goes down instead. This is because you went from the top of the heap of people in your bucket, graduated into a higher bucket, and now your credit is not as good in relation to those people in your new bucket. Does this make any sense?? Again, time heals credit wounds.
There is some official word for it instead of "buckets" but I can't remember what it is. Probably something obvious like "groups" or "categories."
I think people get too freaked out by obsessing daily about their scores. As you say, keep util down, pay on time, dispute where appropriate, etc. It will improve!