The Credit rating files II

2982

So exactly a month and 5 days after our application for a joint bank account, I receive an e-mail alert from Credit Expert, saying a change was detected in my credit report.

 

 

 

 

 

 

 

 

 

 

 

None of the options on the left sounded particularly encouraging I must say, and I knew, I just knew that my credit score must have taken a dive. How deep a dive was what was yet to be determined.

Apparently, there are a whole range of actions that could affect your credit score negatively – and they don’t have to be negative actions like missing a payment. Matt Hughey’s credit rating dropped remarkably when he paid off a credit card he had since University, and closed the account. Commenters said that the problem was not paying off the card, but actually closing the account, so it’s about understanding the game, not just doing what you think is the right thing.

In my case, I found out that the ‘activity’ was opening the joint account – this reduced my credit score by 44 points! I don’t know how these guys allocate points – I thought they would deduct 1 – 3 points at a time, but it turns out they are on a different operating scale as the driving license point removers so I’m just ‘looking at them’ and trying to find  more credit-boosting  actions. Any suggestions?

 

http://www.mrpepe.com

I'm an grammar-obsessed writer with a passion for finance, innovation, lifestyle design, tech, healthy eating and who knows what else. Nothing makes my day like a nice, chunky comment on one of my posts to sink my teeth into. So go on, make my day :-)

Comments

  • Exactly what I was searching for, thankyou for putting up.

    kliknij link November 10, 2018 11:28 am
  • I gotta favorite this internet site it seems handy invaluable

    strona www November 10, 2018 5:13 pm
  • I’d need to verify with you here. Which isn’t one thing I usually do! I take pleasure in studying a put up that may make folks think. Additionally, thanks for allowing me to comment!

    witryna www November 10, 2018 10:04 pm
  • A powerful share, I just given this onto a colleague who was doing slightly evaluation on this. And he in reality purchased me breakfast as a result of I discovered it for him.. smile. So let me reword that: Thnx for the deal with! However yeah Thnkx for spending the time to discuss this, I feel strongly about it and love studying extra on this topic. If doable, as you turn out to be experience, would you thoughts updating your blog with extra details? It’s extremely useful for me. Massive thumb up for this blog publish!

    firany na metry November 23, 2018 8:30 pm
  • I want to get across my love for your kind-heartedness giving support to those people that absolutely need help on the situation. Your very own dedication to passing the message up and down ended up being extraordinarily advantageous and have usually empowered employees like me to arrive at their desired goals. Your new insightful facts signifies a great deal a person like me and still more to my fellow workers. Thanks a lot; from all of us.

    gotowe firany November 24, 2018 11:10 am
  • Lovely just what I was looking for.

    firany November 24, 2018 4:08 pm
  • I enjoy you because of your entire effort on this site. My niece loves going through research and it is easy to understand why. Most people learn all concerning the compelling means you make advantageous strategies via your website and therefore inspire response from people on the idea and our princess is without question starting to learn a lot of things. Take advantage of the remaining portion of the year. You have been performing a really good job.

    firany gotowe November 24, 2018 11:34 pm
  • I like this post, enjoyed this one regards for putting up.

    witryna November 27, 2018 8:14 pm
  • Respect to website author , some fantastic entropy.

    zobacz oferte November 28, 2018 12:36 am
  • Utterly written subject matter, Really enjoyed reading .

    zobacz November 30, 2018 4:17 pm
  • I like this post, enjoyed this one appreciate it for putting up.

    zobacz wiecej November 30, 2018 8:55 pm
  • Rattling instructive and wonderful structure of articles , now that’s user genial (:.

    kliknij aby przeczytac December 1, 2018 12:47 am
  • But wanna remark on few general things, The website style is perfect, the subject material is real fantastic : D.

    kliknij po zrodlo December 1, 2018 7:24 pm
  • its excellent as your other content : D, thanks for posting .

    firanki gotowe December 2, 2018 12:08 am
  • I like this website because so much utile stuff on here : D.

    firany gotowe December 2, 2018 10:20 am
  • Nice post. I learn something more difficult on completely different blogs everyday. It should at all times be stimulating to read content from different writers and apply a little something from their store. I’d favor to make use of some with the content on my blog whether or not you don’t mind. Natually I’ll offer you a link in your net blog. Thanks for sharing.

    firanka December 2, 2018 8:48 pm
  • I wish to get across my appreciation for your kind-heartedness giving support to visitors who should have assistance with the field. Your real commitment to passing the solution along appeared to be really effective and has really allowed individuals just like me to get to their objectives. Your entire interesting help and advice denotes a great deal a person like me and somewhat more to my fellow workers. With thanks; from all of us.

    firanki dla dzieci December 3, 2018 6:02 pm
  • Oh my goodness! an incredible article dude. Thanks However I am experiencing issue with ur rss . Don’t know why Unable to subscribe to it. Is there anyone getting equivalent rss drawback? Anyone who knows kindly respond. Thnkx

    firanki dla dzieci December 4, 2018 5:46 pm
  • I am only writing to make you know what a superb experience my wife’s child experienced viewing your site. She realized several things, which included what it is like to possess an excellent helping style to get folks effortlessly fully grasp several multifaceted subject areas. You undoubtedly surpassed her desires. Thank you for distributing those powerful, trustworthy, explanatory and unique thoughts on this topic to Jane.

    kliknij December 7, 2018 5:08 pm
  • I regard something truly interesting about your weblog so I saved to bookmarks .

    kliknij link December 7, 2018 9:00 pm
  • I got what you mean , saved to fav, very nice website .

    czytaj pelen raport December 8, 2018 5:01 pm
  • I want to point out my respect for your generosity for folks who need help with this important situation. Your personal commitment to passing the solution along ended up being surprisingly useful and has all the time made individuals like me to arrive at their aims. Your entire invaluable guidelines implies a great deal a person like me and especially to my fellow workers. Best wishes; from all of us.

    czytaj tu December 8, 2018 10:41 pm
  • Deference to author , some fantastic selective information .

    polecam December 11, 2018 7:58 pm
  • I really enjoy looking at on this website , it has got great blog posts.

    swietny artykul December 15, 2018 10:53 am

Leave a Comment

Your email address will not be published. Required fields are marked *