Online free credit check Idaho

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Earlier this online free credit check Idaho week, I checked my credit score again.

I was pleasantly online free credit check Idaho surprised to find out it was 730+! Why would I be pleasantly surprised that my credit score has dropped between 5-10 points over the last 16 months?

Because thats when we online free credit check Idaho stopped playing the credit game. In early November 2008, Courtney and I not only canceled our credit cards, but also paid off our only non-student installment loan. The following month, we decided to take it a step further and close our final remaining credit card. true credit For the last 15 months, weve lived free of credit cards, other revolving credit, and traditional installment loans. While this has had an overwhelming positive affect on our financial life, it was supposed to have a dramatically negative affect on our credit scores. After all, the following graphic is from myFICOs Whats in your FICO Score?: According to the graph and the information on the site, we have several strikes against us: To be fair, we did have several factors working for us: Could my credit online free credit check Idaho score be even higher? Its very possible that even though my credit score hasnt online free credit check Idaho tanked, it could be much higher. Had I not canceled my credit cards, maybe my score would be 750+ or online free credit check Idaho 760+! Theres no way to know for sure, but canceling my credit cards may have caused my score to stagnate.

Another possibility is that FICOs algorithm may still need more time before it begins to punish my negative behavior. free credit

I find this theory less likely, as its been well over a online free credit check Idaho year.

Over time, maybe the score will slip more dramatically. On that note, if we keep up our current pace, well eventually cease to have a credit score at all! It can be argued whether this is good or bad, however youll be hard online free credit check Idaho pressed to convince me that executing our current plan for another 5 years will put us in a bad position financially.