Make sense of this! It's almost an invisible CA or PR got into the score but not the report
For each of the following reports the "Positives" are identical:
1 You have no missed payments on your credit accounts
2 You've limited the use of your available credit.
3 You've shown recent use of credit cards
Report Date/ Score
7/19/11 Score 707
You have a public record on your credit report
You have a short credit history. (2CCs Oldest 2.5y,
You've recently been looking for credit.You've recently been looking for credit.
9/15/11 Score 707
You have a public record on your credit report
You have a short credit history.
You've recently been looking for credit.You've recently been looking for credit.
9/30/11 Score 707
You have a public record on your credit report
You have a short credit history.
You've recently been looking for credit.You've recently been looking for credit.
Note: added 2 CCs in Nov of 2011. PR Dropped in Sept of 2011. Clean report
7/1/12 Score 749
You have a short credit history.
The amount owed on your revolving accounts is too high (All 0 balance except NPSL Amex, overall util:7% )
10/5/12 Score 754
You have a short credit history. (3.8y)
You have too many credit accounts with balances. (4)
1/11/13 Score 703
You have too many credit accounts with balances. (4)
You have a short credit history. (4y)
You have not established a long revolving credit history. ??
I have reestablished credit over the last couple years