On October 15, 2007
Score Watch® does not check your FICO score every day, so there may be a delay between a change in your FICO score and the time you receive an alert from Score Watch.
29 point point increase when last 3 inqs dropped off.
In March 2007, DW and I were paying on an AMEX account in default. Also paying on a Penfed collection. We were renting an 1100 sf apartment (me, DW, 2 kids, 2 cats, all our junk). My FICOs were in the high 500s. DW's FICOs were in the low 600s. We had about $5K in CC debt and about $5,500 in available CC CL.
Today the AMEX default is PIF, and DW has 3 AMEX CCs. The default was deleted off the CRs. The Penfed collection is PIF. We closed on a 1780 sf house in September. My FICOs are all right about at 650. DW's FICOs are high 600s to low 700s. We have about $4,500 in CC debt (most of it acquired since buying the house) and just over $50K in available CC CL.