Track your FICO scores easily with Score Watch!

Wee sub-par credit score!

  • Number of accounts opened: 7
  • Inquiries: 3
  • Total revolving balances: $10,000
  • Total available credit: $53,000

A little bit early for an update, but a quick snapshot before the FICO score goes up will be handy for future references.

The July or August score should be back up above 700, as the last 0% balance transfer is paid off. The June score, although not posted yet, should be the same 679.

It’s really simple, most of the score fluctuations through the past two years are mainly due to credit utilization, which accounts for 30% of the FICO scoring, according to the folks at Fair Issac.

Updated past tracking posts and added in the bulleted info above. This way you’ll have a better idea of how score relates to available balances.

FICO Score Tracking Series:

  1. More Debt = Lower Score
  2. Who Cares About Credit Score?
  3. Lowest Score Ever
  4. Little Changes
  5. Nothing New, Yet
  6. Back Above 700!
  7. Breaking the 800 Mark
  8. What the Deuce?