My mortgage lender sent me my credit scores. That’s the only time I look at them. Otherwise I don’t bother. I compared the latest scores with what I got from my last refi in February 2008.
|Credit Bureau||Model||Feb. 2008||April 2009||Change|
|Equifax||FACTA Beacon 5.0||803||794||-9|
|Experian||Fair Isaac (Ver. 2)||780||796||+16|
|TransUnion||FICO Classic (04)||797||784||-13|
Two years after I canceled oldest credit card and lowered my total available credit limit by about 25%, my credit scores are still going strong. They changed very little since I looked at them a year ago.
The lender also sent me a combined credit report from all three credit bureaus. All the open accounts are reported correctly. There are no suspicious entries. The report also shows many more closed accounts. They are all marked as "account closed at consumer’s request."