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July 2004 Credit Score: TransUnion/719, Eloan/710

Contributed by mm | July 23, 2004 08:55 AM PST



For the second time in recent history, my credit scores from TransUnion and Eloan's CreditXpert service moved in different directions. TransUnion reported that my credit score took an 11-point hit while Eloan claimed my credit score improved by 10 points. According to the Eloan website, my credit score of 710 is higher than 45% of U. S. consumers.

  TransUnion Eloan Difference
September-03 686 636 50
October-03 686 663 23
November-03 686 650 36
December-03 673 649 24
January-04 689 673 16
February-04 695 684 11
March-04 697 691 6
April-04 710 675 35
May-04 704 679 25
June-04 730 700 30
July-04 719 710 9

Both report mentioned that the relatively short length of my credit history, and the number of recent inquiries, are dragging further improvement of my credit score.

To my surprise, I still didn't see my EverBank mortgage shows up in my credit profile. I'm braced for a hit once this mortgage account and my recently acquired HELOC account shows up in my report. On the credit card front, I will continue to apply for new cards that offers attractive value proposition. I am satisfied about my credit score now. With HELOC of $30,000 and $68,200 credit line from 13 credit cards sitting in my pocket, I don't have to worry about liquidity for a while.

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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
07/22/04 | $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
11/23/03 | Monthly Credit Score Update - November 2003
10/25/03 | Monthly Credit Score Update - October 2003




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