Congrats on your progress!
Moving up! The only thing I can think of causing the positive Change is my Orchard bank CC for 300.00 is 1 yr old this month. I had a Medical delete for 100.00 and that caused no score change ( but its gone 
).
.
Feb 1, 2013 Credit karma update
| 1. TransRisk Credit Score | 598 | +20 | |
| 2. Auto Insurance Score | 872 | 0 | |
| 3. VantageScore | Your three credit scores have changed by a total of 28 points since you last updated each score671 | +8 |
Congrats, I'm sure that seeing progress feels great!
I'm not sure what the "auto insurance" score is?
Seeing the progress has been fantastic!! There was times I was ready to just stop! It was information overload! But I keep plucking away at it and post my results here so I can reflect back and see the changes and mayhelp help encourage another person wondering if it can be done.
The auto insurance score is what a car insurance would use to give you a rate quote.
Credit Karma is not true Fico scores, but I can see changes and the scores going up so I know my hard work is slowly paying off!
congrats on the success!!
Starting Score: CK 519 FICO 498"There was times I was ready to just stop! It was information overload! But I keep plucking away at it and post my results here so I can reflect back and see the changes and mayhelp help encourage another person wondering if it can be done."
No Kidding!!!! When I first started this I was *SO* frustrated.. (who am I kidding? I'm still quite frustrated)...
It seemed like a game with *no rules.* (or at least a game where no one knows the rules)... No definite path to take to improve your situation.
I was also super frustrated about why this stuff wasn't taught in Economics class in Highschool OR College!
Anyway, Yes this forum has been an *amazing* wealth of information, and it's contributors have been very kind and helpful.
I didn't mean to hijack your happy dance! Dance away! 
 | 4/18/2013 | 655 | Score Watch® alert: Your score exceeded your target of 614. | Yes | More info | |
| Score Watch® alert: Your score exceeded your target of 614. | ||||||
 | 4/6/2013 | 613 | Score Watch® alert: Your score exceeded your target of 602. | More info | ||
| Score Watch® alert: Your score exceeded your target of 602. | ||||||
| 3/31/2013 | 601 | Score Watch® alert: Your score exceeded your target of 599. | More info | ||
| Score Watch® alert: Your score exceeded your target of 599. | ||||||
| 3/6/2013 | 598 | Score Watch® alert: Your score reached your target of 598. | More info | ||
| Score Watch® alert: Your score reached your target of 598. | ||||||
| 2/21/2013 | 589 | Score Watch® alert: Your score has dropped. | Yes | More info | |
| Score Watch® alert: Your score has dropped. | ||||||
| 2/20/2013 | 597 | Score Watch® alert: Your score is unchanged. | Yes | More info | |
| Score Watch® alert: Your score is unchanged. | ||||||
| 2/11/2013 | 597 | Score Watch® alert: Your score exceeded your target of 591. | More info | ||
| Score Watch® alert: Your score exceeded your target of 591. | ||||||
| 2/6/2013 | 590 | Score Watch® alert: Your score is unchanged. | Yes | More info | |
| Score Watch® alert: Your score is unchanged. | ||||||
| 2/3/2013 | 590 | Score Watch® alert: Your score is unchanged. | Yes | More info | |
| Score Watch® alert: Your score is unchanged. | ||||||
| 1/16/2013 | 590 | Score Watch® alert: Your score is unchanged. | Yes | More info | |
| Score Watch® alert: Your score is unchanged. | ||||||
| 1/12/2013 | 590 | Score Watch® alert: Your score is unchanged. | Yes | More info | |
| Score Watch® alert: Your score is unchanged. | ||||||
| 1/6/2013 | 590 | Score Watch® alert: Your score reached your target of 590. | More info | ||
| Score Watch® alert: Your score reached your target of 590. | ||||||
| 12/22/2012 | 589 | Score Watch® alert: Your score exceeded your target of 580. | More info | ||
| Score Watch® alert: Your score exceeded your target of 580. | ||||||
| 12/15/2012 | 579 | Score Watch® alert: Your score is unchanged. | Yes | More info | |
| Score Watch® alert: Your score is unchanged. | ||||||
| 12/6/2012 | 579 | Score Watch® alert: Your score is unchanged. | Yes | More info | |
| Score Watch® alert: Your score is unchanged. | ||||||
| 12/4/2012 | 579 | Score Power report: Your score is unchanged. | More info | ||
| Score Power report: Your score is unchanged | ||||||
| 12/4/2012 | 579 | Score Watch® alert: Your score reached your target of 579. | More info | ||
| Score Watch® alert: Your score reached your target of 579. |