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credit scoring - how many point given/taken
2012_is_my_year
Posts: 2 Newbie
ive been watching it like a hawk,
Yesterday Shop Direct said i missed a payment on my account and my score went down 38 points..then today Barclaycard updated my account, (which was all in order) and its gone up 38 points..
So, my question is; is 38 points awarded for each time a credit account is pain on time?
I login daily now. Ive got 5 credit cards; all now with a zero balance, which havent been accounted for in my score, so im hoping that when they update, the score will increase - possibly by 38 each one perhaps??
ive only got a 2k loan oweing now, and my mortgage, paid off nearly 9k in 8 weeks, dont know how ive done it, but ive been living on purely air!
Yesterday Shop Direct said i missed a payment on my account and my score went down 38 points..then today Barclaycard updated my account, (which was all in order) and its gone up 38 points..
So, my question is; is 38 points awarded for each time a credit account is pain on time?
I login daily now. Ive got 5 credit cards; all now with a zero balance, which havent been accounted for in my score, so im hoping that when they update, the score will increase - possibly by 38 each one perhaps??
ive only got a 2k loan oweing now, and my mortgage, paid off nearly 9k in 8 weeks, dont know how ive done it, but ive been living on purely air!
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