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Can someone explain what happened?

Established Contributor

Re: Can someone explain what happened?

I don't pull my score every month.  This is the first time I've pulled it in almost a year.  (since last June when I was at 505 TU)  I pulled it because I wanted to see what kind of increase I would have with paying all my CC down to $0 since utilization has always been an issue for me in the past.  My intent was to app for a cc or maybe two.  I wanted to see if I could get a decent prime card so I could close out one of my secured cards. 

Starting Scores 10/12: EQ 460 (FICO)/TU 502 (FAKO)/EX 474 (FAKO)
(7/14): EQ 572 (FICO)/TU 624 (FICO)/ EX 612 (FICO)

Current (2016): EQ 605 (FICO)/TU 657 (FICO)/EX 646 (FICO)

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