Read this today, posted here:
http://ficoforums.myfico.com/t5/Credit-in-the-News/How-Often-Does-Your-Credit-Report-Change/td-p/182...
What's in my wallet: Cap1 Venture NFCU Sig Visa Delta Gold Amex BCE Citi Simplicity IHG World MC Amazon Visa CSP
Starting Score: 5/2010 550-ish
Current Score: 6/20/2013 TU 800 6/20/2013 EQ 770 6/20/2013 EX 775
Goal Score: 800 accross the board