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Earlier this week, I checked my credit score again. I was pleasantly surprised credit report free credit score Ohio 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 credit report free credit score Ohio when we 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 credit report free credit score Ohio our final remaining credit card. free credit report per year

For the last 15 months, weve lived free of credit cards, other revolving credit report free credit score Ohio 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 score be even higher?credit report free credit score Ohio Its very possible that even though my credit score hasnt tanked, it could be much higher. 3 major credit reports Had I not canceled my credit cards, maybe my score would be 750+ or 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 credit report free credit score Ohio before it begins to punish my negative behavior.

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Earlier this week, I checked my credit score again. I was pleasantly surprised credit report free credit score Ohio 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 credit report free credit score Ohio when we 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 credit report free credit score Ohio our final remaining credit card.

For the last 15 months, weve lived free of credit cards, other revolving credit report free credit score Ohio 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 score be even higher?credit report free credit score Ohio Its very possible that even though my credit score hasnt tanked, it could be much higher. Had I not canceled my credit cards, maybe my score would be 750+ or 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 credit report free credit score Ohio before it begins to punish my negative behavior.