Random Thoughts

[CreditHealthy]

My credit score keep going up and down like a yo-yo. Nothing too major, just points here and there because of new accounts added and inquiries. It's just interesting to watch how sensitive and picky Equifax and the others are. Are your scores doing the same sort of dances?...LOL

[Anonymous]

Yes mine too. I just have to focus what is on my reports and make sure I am using my credit responsibly. Scores are like the Dow Jones. ...up and down.....so frustrating.  It's like a grade report card....there is always next semester. ..LOL!

[aav]

Mine are pretty stable right now. I'm trying to get up and past the 800 mark, but there is not much movement. Lol

[CreditHealthy]

aav I want your scores when I grow up

[CreditHealthy]

ramocita, your're too funny

[Anonymous]

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@CreditHealthy wrote:

My credit score keep going up and down like a yo-yo. Nothing too major, just points here and there because of new accounts added and inquiries. It's just interesting to watch how sensitive and picky Equifax and the others are. Are your scores doing the same sort of dances?...LOL

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Follow your questions on the ups and downs of FICO Scores ... Likely as a credit files thicken and age without new accounts being added, credit scores will assume a more flat line. Ever day there is a potential for a minor score fluctuation depending on what items report to the bureaus.  For myself, when I hit around 700 I stopped adding cards or doing anything (gardening if you will) and my scores did not vary much over ten points (I was frustrated). The gardening helped long term as the "average age of accounts" went up and my scores increased again to the 800's today.

[CreditHealthy]

Thanks ArmyVietVet, very helpful information