Am I a credit addict? How many times can I refresh my credit report in a day?

[visualfxpro]

Ladies and gents I have GREAT NEWS!!! They FINALLY updated my credit! So with doubled Amazon credit to $4k with  no balance and my credit use to 1% with all cards zero exept one, I've gained...TWO POINTS! Man my FICO is CRAWLING. My Vantage (below) actually has moved well but FICO seems stuck. I think it's the charge off I just paid off. I think no matter what I did, they held my score back because of that. Let's see what happens when it is updated to paid in full.

[Anonymous]

are you new to credit relative stuff? if so, i can understand. Back when i first started learning all this credit stuff, i was literally pulling all nighters to understand the ins and outs and how everything works. looking back, it was a tad crazy lol

[TheRedHat]

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@Anonymous wrote:

are you new to credit relative stuff? if so, i can understand. Back when i first started learning all this credit stuff, i was literally pulling all nighters to understand the ins and outs and how everything works. looking back, it was a tad crazy lol

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This is the stage I'm at right now. So much to learn! And when I think I know something, I find out there is even more I don't know.

[visualfxpro]

I started learning about credit maybe 4 years ago, when I had a wake up call. Most of my life I thought being good with money meant good credit. I was living on cash with no credit cards or debt. Then things heated up in last year maybe as I approched 700 AND looking to buy a house. The house is a BIG driver as I'm trying to get those rates.

[Mochita]

It's definitely good to know that I'm not the only one that does this! It's such a sense of accomplishment each time you see green points and the + sign going upwards! 

[visualfxpro]

LOL. I'm a snob now. Now that I'm getting offered lowest interest rates, and getting approved for whatever mortgage I want, I don't care anymore. I stopped checking daily maybe a month or two ago after I saw I had good enough score to get what I need for mortgage.