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Monthly Credit Score Update - November 2003

Contributed by mm | November 23, 2003 07:31 AM PST



Eloan gave another monthly update of my credit score. My score declined from last month's 663 to this month's 650. This is mostly due to my intent to keep a high balance in my ShareBuilder Visa Card to enjoy the full benefit of 12 months' 0 APR, as it makes me look like using 90% of the credit limit (and therefore dangerous).

The report went further to predict that simply due to passage of time by one month, my credit score will be 678 or 28 points more. In addition, if I can pay down some of my ShareBuilder Visa credit balance to under 50% of the credit limit, I can expect another 18 points gain. I'll not pay down that card for sure (until August 2004) but I'll be interested to know how accurate Eloan will be in its first prediction.

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Read More ... 54 Posts In The Same Category

08/11/05 | How to Track (Multiple) Credit Card Promotions | (3)
03/23/05 | Citi Is Still ... Generous | (8)
02/28/05 | Your Free Credit Report, The Experian Way
12/29/04 | 5% Off Everything With Citi's Driver's Edge | (3)
12/03/04 | Free Credit Report: The TransUnion Flavor | (1)
12/01/04 | Fresh Taste of Truly Free Credit Report (Equifax) | (5)
11/02/04 | October 2004 Credit Score: TransUnion/659, Experian/744
09/30/04 | September 2004 Credit Score: TransUnion/635, Experian/732 | (1)
09/18/04 | $20 Bonus for BankOne's First Protect Program | (3)
09/13/04 | Doubling Up Credit Card Rewards | (1)
09/08/04 | TrueEarnings: The Better Amex/CostCo Card | (3)
08/28/04 | First Citi Credit Protector Rebate Check Received | (1)
08/25/04 | August 2004 Credit Score: TransUnion/734, Eloan/666
08/24/04 | $1,000 A Year Just By Picking The Right Card
08/24/04 | Close Encounters of The Third Kind
08/16/04 | 3 Bureau Credit Report and Score for $1 | (3)
08/15/04 | Clever Wording from Fleet (And Shame on Me) | (4)
08/14/04 | Small Balance Adjustment | (2)
08/13/04 | Progress with Fleet Balance Transfer
08/07/04 | HGW4 = 10% Off All Restaurant Bills (CFI)
08/05/04 | Free Money Still Abound | (3)
07/28/04 | $126 Cash Rebate From Citi Received
07/23/04 | July 2004 Credit Score: TransUnion/719, Eloan/710
07/22/04 | $30,000 HELOC Closed | (1)
07/21/04 | My First No-Fee 0% APR Balance Transfer Offer (CFI) | (3)
07/17/04 | Getting United MileagePlus Visa Signature Card (13 Cards and Counting)
07/07/04 | Applying a Home Equity Line of Credit
06/27/04 | $100 Turns Out To Be $150 | (3)
06/23/04 | June 2004 Credit Score: TransUnion/730, Eloan/700
06/11/04 | Everything is Negotiable
05/26/04 | The 9th Card | (1)
05/25/04 | May 2004 Credit Score: TransUnion/704, Eloan/679
05/19/04 | Citi Dividend Card: Sweeter Deal After 9/1
05/14/04 | $15 Bait From Citi
04/29/04 | Refinancing Closed, Part II: A Sweet Deal
04/29/04 | Refinancing Closed, Part I: Closing Details
04/25/04 | April 2004 Credit Score: TransUnion/710, Eloan/675
04/21/04 | Citi Dividend Platinum Select Card: The First Statement
03/30/04 | Heading for Refinancing
03/26/04 | Citi Dividend Platinum Select Card Received
03/23/04 | Monthly Credit Score Update - February 2004 (+7 -> 691)
03/22/04 | 5 Year Interest Only LIBOR ARM | (2)
03/20/04 | Providian Sweetens the Deal
03/17/04 | Citi® Dividend Platinum Select® Card (CFI) | (1)
03/15/04 | Refinancing Now?
03/14/04 | MBNA, Increasing Credit Limit Every Three Months?
03/06/04 | Surpassed 20,000 Mark in MBNA Reward Program
02/23/04 | Monthly Credit Score Update - February 2004 (+11 -> 684)
01/24/04 | Monthly Credit Score Update - January 2004
12/29/03 | Monthly Credit Score Update - December 2003
12/10/03 | MBNA Silently Increased My Credit Limit, By A Bit
11/28/03 | Providian Increased My Credit Limit
10/25/03 | Monthly Credit Score Update - October 2003




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