Score is Lower!!!!!

[Anonymous]

Ok someone please help.

I get my fico score free with my WAMU secured card. I just checked it and it is 36 points lower.  I applied for a Sears card and when I found out the APR I cancelled it. Those cashiers are quick. Any way I also applied for a Cap One card. How come my score is so much lower? And how can I raise it.

[Anonymous]

My PFICO reports a month behind-

As more Credit Card data is used to detrimine the score- New cards upset it - but for a short time IF:l

Keep UTL down

Keep # of revolving accounts under 50%  IE: 2/4