Two things..
I've been watching one score over time so I decided to splurge on a one-time look at another score. It was only two points off the one I'm watching so that was comforting.
The score I've been watching went up 4 points last month and 7 points this month. There weren't any explanations attached but I have a couple theories. This month I paid off both cards right before the statements so the balances were low and zero. Also, I think inquiries for my car loans should start falling off any time now. I think they stay for a year and I bought my car last June.
Normally I wouldn't care about such trivial things, but my score's at 748 now (one of them, one close behind, third unknown) and I'm ultimately aiming for 760+. 7 points could mean a difference in rates at mortgage time. So I've learned to pay off my cards right before the statement, and not request anymore credit. It's almost silly.. in the past number of months my card has had no more than $300 balance when the statement goes out, which coordinates with when the score changes come through. $300 is like, not even 4% of my combined credit limits.. Sheesh.
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