My Personal Finance Journey

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Monthly Credit Score Update - October 2003

Contributed by mm | October 25, 2003 7:08 PM PST

I just received my monthly credit score update from eloan.com. My recent credit score (October 23) was 663, or higher than 35% of US consumers.

Though improved 27 points since last month primarily due to my big payment of MBNA balance, the score is not high due to the following factors revealed by the service:

- Credit application: I have 10 credit applications in the last 6 months. (This is mainly due to my mortgage application, auto insurance application and multiple credit card application before house buying to prevent liquidity issues.)

- Length of credit history: My credit history only contains 1 year and 3 months data (my first credit card account - 1st Tech CU Visa - was opened in July 2002).

- Credit usage: $2,481 balance in revolving accounts.

I don't anticipate much improvements in the next few months, as I plan to keep around $2,000 balance on my ShareBuilder Visa account during the 12-month 0% APR promotion period. My credit score may fall a bit as a result.

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