My Personal Finance Journey

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Monthly Credit Score Update - December 2003

Contributed by mm | December 29, 2003 10:37 PM PST

In the latest installment of my monthly score update from ELoan, I received a score of 649, or 1 point below last month's number. Main factors affecting the score is still my length of credit history, and credit usage (especially my ShareBuilder Visa Platinum card, in which I keep almost full balance during the 0% APR promotional period). Also, for the first time, my mortgage hits my credit report.

The forward looking part of the report predicts that "due to the passage of time, your credit score may be 669" in the next month. Also, if I pay down around $1,000 of the ShareBuilder card, I can expect another 11 points credit score increase.

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