Well, at least one CRA is showing a steady increase. I got a discover card in June, probably my last credit card, and my FICO score was as low as 679 as recently as August. Now it's up to 717. Experien is only 685-I have no idea what Equifax is. I added Federal student loans (sub and unsubsidized) with a current balance of 6500. Because of my disability I was told that I may be eligible for a dismissal of the loan after I finish school. I understand about the issues surrounding this and don't need to discuss the matter. I have a huge debt (110K) on an old home equity line of credit and a total of seven cards with near zero utilization. I had many late payments and settlements in 2010 and a 60 day late in 2013 but have been clean on all my cards and no lates since 2013. My vantage dropped to 732 when I took out the loan (TU) but equifax went up to 733. I know that doesn't really matter. Since I am finished with applying for credit indefinitely, I was wondering how this works anyway. I may move into an apartment (buying a house is out because of what I did years ago) and I know credit gets pulled for a lot of things. I'm pleased with the progress I'm making as age 55 approaches. I learned my lessons late in life, but maybe this will help someone else learn something about the art of credit.
