Credit score fluctuate / myLot

@carebear29 (32002)

Wausau, Wisconsin

October 28, 2016 5:44pm CST

I did not know when you use your credit card that your credit score will go up and down lol. I went up 94 points and now down 14 points. Funny thing about that too is that in my credit score report it shows credit card Walmart $117...yep. My score is going to constantly fluctuate now and that is fine. I better get used to it lol. My goal is to get in the "average to good" section.

4 people like this

7 responses

Dominique

@dodo19 (48166)

• Beaconsfield, Quebec

28 Oct 16

I guess it does make sense, although it's not something that I've given much thought too.

3 people like this

Ms Rae

@carebear29 (32002)

• Wausau, Wisconsin

29 Oct 16

Right. I agree

1 person likes this

Jennifer

@LovingMyBabies (85923)

• Valdosta, Georgia

28 Oct 16

I never realized that either. I need to get my score improved but I can't get approved for anything to do that with. =(

2 people like this

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Ms Rae

@carebear29 (32002)

• Wausau, Wisconsin

29 Oct 16

Right. Even landlords here even start checking peoples credit.

1 person likes this

Yuki

@yukimori (10192)

• United States

29 Oct 16

Look into SelfLender. Capital One has a decent secured card available. Fingerhut and Gettington seem to be very unselective about their credit criteria, but they also charge huge interest on products they sell for way more than you can get them elsewhere. I only signed up because they have no annual fee... Not hard to resist shopping there since it's such a ripoff.

2 people like this

Ms Rae

@carebear29 (32002)

• Wausau, Wisconsin

30 Oct 16

@yukimori I denied at Capital One for some reason. Oh well. Maybe later on I will try again.

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maezee

@maezee (41985)

• United States

31 Oct 16

I guess that must be normal!i am sure mine does as well but i dont check it that often

1 person likes this

Ms Rae

@carebear29 (32002)

• Wausau, Wisconsin

31 Oct 16

Right. I am glad I can pay more than normal each month. Like $150 of it.

Yuki

@yukimori (10192)

• United States

29 Oct 16

It dropped because your available credit decreased when you used the card. Make a payment or three and it will go up. Charge more to the card and it will go down more.

2 people like this

Ms Rae

@carebear29 (32002)

• Wausau, Wisconsin

29 Oct 16

I am putting $200 of the $322 on it this week for a payment. I knew it was more in likely the credit card lol. Thanks bunches.

Judy Story

@jstory07 (148764)

• Roseburg, Oregon

29 Oct 16

I hope your score goes up for you.

1 person likes this

Ms Rae

@carebear29 (32002)

• Wausau, Wisconsin

29 Oct 16

I hope so too as long as I keep paying on my card I should be fine.

1 person likes this

Judy Story

@jstory07 (148764)

• Roseburg, Oregon

29 Oct 16

@carebear29 As long as you keep paying your credit score wil

NJ Chicaa

@NJChicaa (127165)

• United States

28 Oct 16

Don't keep checking your credit score. Believe it or not, that will harm it too. Part of your credit score is based on your available credit and how much of that credit you are using. BUT, if you don't use your credit ever, that's not good either. The best thing is to use it and then pay it off in the same month.

2 people like this

Yuki

@yukimori (10192)

• United States

29 Oct 16

It doesn't count when you pull your own score. What hurts is the hard pulls that are done when applying for credit.

2 people like this

Ms Rae

@carebear29 (32002)

• Wausau, Wisconsin

29 Oct 16

I use Credit Karma, free, to check my score weekly. Thank you.