16 Point Jump – Is This the Reason?

Jun 042010
 

Hello,

 

I have been working like crazy on my credit score and hitting dead ends with no progress on PFDs, GW etc. I  have been paying extra (above myfico annual fee) to pull my credit report and score weekly to monitor my progress (which hasn’t been much lately). I received a score watch alert today with a 16 point increase. The alert just stated that I moved up to a different mortgage rate level but didn’t give me a reason why my score went up. I paid the $10.95 to run a score power report and went line by line for each account. I just ran my reports last week; so everything matched perfectly (even my account balances, credit limits etc,) I can’t figure out what would cause that big of a jump.

 

The only thing I noticed was the “Amount of New Credit” indicator (red, yellow, green) on the first screen turned from yellow to green. I just had my 1 year anniversary this month of no new credit. Could this cause a score jump? If so, I wanted to share with others that they can look forward to a jump if they don’t apply and/or get new credit for 1 year…that rocks!

Confused…please help!

May 122010
 

Ok, I have a couple questions.

 

1.  I pulled my cr on annualcreditreport.com (TransUnion) back in February and it says, estimated date that this item will be removed: 5/2010.  This is one of my paid collection accounts.  I pulled my reports last week and noticed it was off TransUnion and Equifax but it’s still reporting on Equifax.  Do you think the same thing will apply with Equifax and it will fall of maybe at the end of the month??? 

 

2.  The above cr (annualcredit) look like it has A LOT more negative marks that I see on myfico reports and experian.  Should all of these have the same information or will these be a little more condensed/cleaned up?

 

Thanks for your help.

What if I got my free CR last year?

Mar 132010
 

I got all of my free credit reports last year in the summer so I am not due for new ones for a few more months.  What can I do until then where should I go for a copy?  I did just apply for car loans would I be able to get free ones because of denials from the apps?