I am going on almost two months with no change in credit score. I bought a Scorewatch three weeks ago and still the score was the same. I noticed something that have may cause the score to flatline. My mortgage with Homecomings all of a sudden started showing up on my report. I thought this was going to be a good thing once it reports. The mortgage is almost 10 months old no lates. But it appears the amount that is being reported isn't correct. Largest past balance [?] $94,500 Current Balance $95,093 But my correct mortgage balance is $94,113.00.. The largest past balance is correct, but the actual mortgage balance is about A grand higher. Would this be enough to flat line a credit score? If I am correct this is showing up on my report as $600 over the limit. Maybe I shouldn't be too concerned, but my score has been going up 10 points a month until this showed up. At first I was not happy with Scorewatch it took an hour or so of digging thru the credit report to find this one.. 