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.
Free Money Still Abound(August 05, 2004)
Although I opened several credit accounts recently, I continued to receive at least three pre-approved credit card offers every week. Not many of them interest me in the last few weeks, but today comes a really exciting offer from Fleet: 0% APR on initial balance ... Read
$126 Cash Rebate From Citi Received(July 28, 2004)
I cannot help but devote another entry to Citi® Dividend Platinum Select® Card. It is not because I will get some financial interest recommending the card (which I will not), but because it is among the easiest thing one can do to get $300 more ... Read
$30,000 HELOC Closed(July 22, 2004)
Yesterday I closed my Home Equity Line of Credit of $30,000. It's a very streamlined process that only takes 20 minutes on the phone and a visit to my credit union's branch to sign a few documents. As expected, there is no closing fee of ... Read
My First No-Fee 0% APR Balance Transfer Offer (CFI)(July 21, 2004)
Today I received a no-fee 0% APR balance transfer offer from my Discover credit card for up to my credit line of $6,000. It is the first such offer (both 0% APR and zero-fee) I have received, so I did spend some time reading and ... Read
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