I was a 741 last month and this month I am at 751. Before 741 it was 747, it dropped 6 points because I had a higher than normal credit utilization % that month. I payed it all off on time though but is that really enough for me to jump 10 points in 1 month? Credit Karma says that my only hard inquiriy from 2 years ago has dropped from my credit report but at the same time Credit Karma says that was my only hard inquiry when in reality I have applied for and gotten approved for 3 credit cards and a charge card in the past 1 YEAR. So I guess would the hard inquiry from 2 years ago that dropped from my report and the fact that I payed off the high balances be the reason for the 10 pt jump?
Yes, paying down the util will give you a boost, a HP falling off will give you a boost, your AAoA aging will give you a boost. Congrats on the 10 points!
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
@Shogun wrote:Yes, paying down the util will give you a boost, a HP falling off will give you a boost, your AAoA aging will give you a boost. Congrats on the 10 points!
I didn't know it would as much as 10 pt boost, thanks!
