@haulingthescoreup wrote:
Wow, you are without a doubt the calmest member I've ever met who had an unexplained score drop! Congrats for being able to handle random weirdness. There's a lot of it in credit scoring.
haha, well... i wasn't quite as calm when i received the email about the score drop. but i figure: i signed up for Score Watch a couple of months ago, mainly out of curiousity. before this, my score went up and down without my knowledge, and i've been fine. so i'm trying not to react too much to the fluctuations. at some point, i'll probably just check my reports every so often and not check scores too much - but i'm just too interested right now!
haha, this is funny. the 7 points are back as mysteriously as they disappeared:
Your FICO® score has gone up to 707 on February 20, 2008.
Changes to your credit report
Your FICO® score went up on a day when there were no credit alerts on your Equifax Credit Report™. This can happen if:
- The balances on one or more of your credit accounts decreased. In general, less debt is better for your score.
- The credit limit on one or more of your credit accounts increased. Larger credit limits tend to help your FICO® scores if your balances remain the same.
- Negative information on your credit report, such as a bankruptcy, collection, or record of a late payment, was removed because it was more than 7 years old (or 10 years old in the case of a bankruptcy).
- Negative information on your credit report is not harming your FICO® score as much as before because it is now older. Past negative credit behavior, like missing payments or defaulting on loans, are offset over time by more recent history of credit responsibility.
oh well.
Your FICO® score has gone up to 707 on February 20, 2008.
Changes to your credit report
Your FICO® score went up on a day when there were no credit alerts on your Equifax Credit Report™. This can happen if:
- The balances on one or more of your credit accounts decreased. In general, less debt is better for your score.
- The credit limit on one or more of your credit accounts increased. Larger credit limits tend to help your FICO® scores if your balances remain the same.
- Negative information on your credit report, such as a bankruptcy, collection, or record of a late payment, was removed because it was more than 7 years old (or 10 years old in the case of a bankruptcy).
- Negative information on your credit report is not harming your FICO® score as much as before because it is now older. Past negative credit behavior, like missing payments or defaulting on loans, are offset over time by more recent history of credit responsibility.
oh well.