Wow! a 7 point increase in score over weekend..

[BK2008]

Not sure what I did to deserve that, But Thursday, my score was 665 EQ, and Monday it was 672.

The only thing i can think of is, I put $100 on a credit card that didn't get nailed in BK (knock on wood...it's got a $10K limit), and that balance is now posted to the CR (and I just paid it, too).

So I guess I need to have a balance on a monthly statement, however small, to make the score go up??

BTW, If I have this card, which has not been knocked down, is it necessary to get a 'new card' to help increase my score?? Seems this is more advantageous to me, because it has a 3 year history. I don't want/need extra cards that I won't really use.

[freshstart32]

That is probably why. I had a card that survived and when I used it a couple of times and paid it off in the few weeks after using it my credit score was up also.

All I can say is....don't get too used to it. I had a zero balance on that card when I filed and I didn't file on it and it survived but then.......after using it a couple of times, they ended up closing it last month they said due to bankruptcy. I hope they don't end up closing it on you but you never know.

[BK2008]

Yeah, I know. I don't see them pulling a credit inquiry real recent. So I won't hold my breath.

What's weird is, I had a 'cahrgeoff' for a voluntary repo from Honda, I ddisputed the balance and status, should have been 0IIB, and they fixed that. But it is still showing 1 late, which isn't accurate, either.

Then my score dropped 53 points to 619....
Should I try to fix that problem too??