Didn't bother to search regarding this site because (refer to smileys)
So to keep it short I signed up on it about a week ago and been monitoring my credit since then; and its lower than I thought it was and it randomly dropped 18 points? (Equifax)
Has any members had any experience with this site?
Also, my score is a lot lower than I thought. I use no more than 30% of my credit cards (have 2) and 1 auto loan. No collections. 100% payments on time.
P.S. I had 7 HARD inquiries on my report when I applied for a finance on my purchase back in April...according to the site, that's what messed me up the most. Oh and also the age of my accounts isn't that greAt...5 months for 3 accounts (AMEX/TD Visa/car loan)
(Wells Fargo closed my 2 year credit cards for no reason; "business decision")