My Personal Finance Journey

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

Contributed by mm | July 23, 2004 8:55 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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