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Personal finance observation, musing and decisions in a journey toward financial independence by 36 with at least $1 million.
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Monthly Credit Score Update - February 2004 (+7 -> 691)

Contributed by mm | March 23, 2004 09:22 AM PST



Eloan now gave me a credit score of 691 now, a 7 point jump from last month's 684 and a number higher than 45% of US consumers.

As I blogged earlier, Providian now offers free credit score from TransUnion to its customers. My score as of February 15, 2004 was 695. It appears that the Eloan score, though not affiliated to any one of the three major credit agencies, is still precise enough.

As I can expect, the main drag of my credit score is still my taking advantage of the 12-month 0% APR offer in ShareBuilder account. Although I made a major payoff of $1,400 (out of a credit line of $2,500) in late February, it does not positively affect my credit score. Of course I can understand it can be a timing issue as of when FirstUSA reported the balance to credit agencies.

Frankly speaking, I am not very much concerned of my credit score now. It is more a past-time or a thing out of curiosity to know my credit score every month. I will still keep the monthly habit of blogging about my credit score though.

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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
03/22/04 | 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
11/23/03 | Monthly Credit Score Update - November 2003
10/25/03 | Monthly Credit Score Update - October 2003




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