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Five Years of Experian Scores

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Five Years of Experian Scores

Apparently I've used Experian's service sporadically over the years (but I have huge gaps in checking my score there).

 

So I thought I'd post my Experian PLUS scores over time in case people are interested.

 

Here's the story behind the scores:

 

In 2007, I was a stupid college kid and let some small retail cards fall to collections and get charged off. I didn't really do anything with credit for a few years after that but also didn't have any additional screw ups. In May 2010, I started "rebuilding" credit, but I was not doing so in any informed way. I did not read this forum at the time or follow a strategic approach to fixing my credit; I simply got a Capital One Platinum card and paid it on time. This past July (2012), I thought that since I had two years of timely payments, I might as well see if I could get a good credit card -- I applied for Amex Blue Cash Everyday and was approved. I've used that and my other accounts responsibly and didn't screw anything up, but I only recently joined this community and began to seriously work on my score.

 

Compared to the rapid rates at which scores can increase by following strategies in this forum, the improvement I saw by simply "not screwing up" was quite slow!

 

12/16/2012 735

11/28/2012 723

10/31/2012 711

09/29/2012 723

08/29/2012 726

07/31/2012 699

06/29/2012 707

05/30/2012 699

04/03/2012 689

02/29/2012 677

02/06/2012 657

01/28/2012 669

12/14/2011 673

11/26/2011 640

10/29/2011 602

09/28/2011 634

08/13/2011 629

07/30/2011 605

07/04/2011 631

06/29/2011 644

06/08/2011 610

05/28/2011 593

04/30/2011 608

04/15/2011 644

03/26/2007 567

02/24/2007 550

01/22/2007 577

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