I have been LONG time reader of the forum and I love all the help everyone here provides and I make it a point to read all the new posts each day. I have not posted for all this time but I recently noticed something that I wanted to get everyone's perspective on.
I declared bankruptcy in 12/2001 which was discharged 2/2002 and I had STELLAR credit before then but getting sick and separated destroyed my credit with 90k on top and therefore why I ended up with a bankruptcy. I have had lots of credit, perfect history since the bankruptcy and frankly other than the old stuff still haunting me, everything new since has been PERFECT, no lates, no overages, no large revolving balances and bluh bluh, you get the idea.
My scores were generally not considered TERRIBLE but they were much lower than they used to be before all this happened. My Experian was the lowest (high 500) as they are frankly the rudest, most stubborn and litigious bunch of jerks I have ever seen in my life but hell its their job right? My TransUnion was relatively healthy given the circumstances (mid 600) and my Equifax was the best and cleanest (high 600).
My credit has been steadily improving and going up in all of them with the largest leap in Equifax, then TransUnion and of course nothing in Experian (almost nothing). I ended up with the largest shock of my entire life when I pulled my FICO scores last week and nearly S*** myself when I saw that my Experian jumped into the 700 and surpassed my TU and **bleep** near my Equifax. I mean now I am looking at TU 695, EQ 755 and EX 712. My question and where I need your perspective is how in the living hell did that happen? I mean how did my Experian go nearly 200 points in less 2 months (my last score pull when it was 545).
I am happy, don't get me wrong and I will take it but I want to understand what happened and is it a fluke or what. Any input would be appreciated and I am sorry about the long rambling here but I had to give some history to make my point. Thanks in advance to all.
Common Abbreviations|FDCPA|FCRA
Starting Score: TU:695 - EQ:719 - EX:630
Current Score: TU:712 - EQ:755 - EX:712
Goal Score: TU:800 - EQ:800 - EX:800