This morning I received a dreaded “alert” from my identity protector program, but it ended up being a very good thing.

My new FICO score was ready, and there was an increase from 711 to 732!

They still quote the same negative factors on my score: the high amount of credit being used and the length of my credit history (relatively short in their eyes). But the balances dwindling on the credit cards has helped to raise the score.

My advice to anyone looking to raise their credit score or to keep it fairly high is to not miss any payments. Being current on accounts has definitely helped me. For an article on what late payments can do to your score, check out this article from Credit Bloggers, which I heard about from Mapgirl’s Fiscal Challenge.


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  1. twins15 responded:

    glad to hear it!

  2. Tricia responded:

    Thanks! :)

  3. mapgirl responded:

    Thanks for the linky! I’m glad your scores are rising!

  4. Blogging Away Debt » Blog Archive » The Makings of a FICO Score responded:

    [...] Previous Money, Marriage and Compromising Next: New FICO Score Arrived! [...]

  5. Blogging Away Debt » Blog Archive » My Ever Confusing FICO Score responded:

    [...] Back in May, my TransUnion FICO score was 732. Since then, I’ve paid off a bit more of my debt and I was pleased to see it raise to 742. [...]

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