So I joined myfico in April and my score was 674 Fico with Equifax... then I did a little application spree and added a few credit cards and a person loan and a auto re-fi after reading info in here and I figured my score would go down... instead it went way up!
Your FICO® score at Equifax is
738 as of June 4, 2011
Score percentileA score of 738 is better than 56% of U.S. consumers
| Poor | Excellent |
My accounts... not including ones I am AU on of hubby's or old cc's that I have closed! Auto re-fi done in April and personal loan for home repairs..
| Orchard/79.00 | Jan-06 | $800.00 | |
| Walmart | May-07 | $925.00 | |
Wells Fargo | Feb-09 | $2,100.00 | |
| Kay | Jul-09 | $2,400.00 | |
| Mohawk | Aug-09 | $2,000.00 | |
| Capital One/39.00 | Nov-10 | $1,500.00 | |
| Victoria Secret | Apr-11 | $350.00 | |
| Citi | Apr-11 | $6,000.00 | |
| PayPal Mastercard | May-11 | $5,000.00 |
Hi brownidgirl (oh, just "got" your moniker 
)
Congrats on your score increase! That's always a great surprise!
For others reading this post, this is not the standard pattern when adding new accounts. (Just thought I'd better throw that in before someone goes off and apps for a bunch of new stuff in hopes of a FICO score increase).
How are your baddies reporting? IIRC, you had an issue with an old auto loan signed over to someone else? Is that reporting consistently on your 3 CRA's? Sometimes even the slightest change in the reporting of baddies can have a surprising impact. I had one account that I didn't realize was reporting differently for over a year; and I was watching it. When I went back with an eagle eye, for the twentieth time, I was able to finally spot the difference.
Just remember there's always more going on on your credit reports than new accounts and utilization. All sorts of little things move around on occasion.....
Congrats again on your FICO score! Glad you're here and posting your experiences and victories!