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OfflineSulfurshelfsean
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Credit line mysteriously jumped * 1
    #28617373 - 01/11/24 08:31 AM (17 days, 2 hours ago)

So in the past week my credit score jumped a hundred points and my credit line on one card jumped 1700 dollars. I'm not sure why. Should I call my credit card company and see if something's wrong?


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OnlinegeokillsA
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Re: Credit line mysteriously jumped [Re: Sulfurshelfsean]
    #28617420 - 01/11/24 09:37 AM (17 days, 1 hour ago)

I'd just go to CreditKarma and pull a free report for yourself (some major US banks also offer a free copy of your credit report through their web portal).  Review the information to make sure you recognize all of the open accounts and remarks.  If you are young, it is not uncommon to witness your credit score improving so long as you maintain an on-time payment history of your debts.  It is also not unheard of for a credit card issuer to periodically raise your credit limit without asking, especially if you started at a relatively low level.

TLDR: Pull a copy of your credit report and make sure it's accurate.  You should do this periodically anyway, to ensure that there are no unrecognized accounts being opened in your name.


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Re: Credit line mysteriously jumped [Re: Sulfurshelfsean]
    #28617809 - 01/11/24 04:25 PM (16 days, 18 hours ago)

Increasing your available credit to debt has always had a positive influence on my credit, both paying debt down and raising my ceiling.  Every time one of my cards up's me a few k or whatever I get a jump.  They look at things like your total amount of available credit, your payment history and collections, the length of time you have had a card or lines of credit, and some bureaus look at the type of lines of credit. I.e. a mortgage vs a credit card.

If you have negative things on your report, just something falling off or getting paid/disputed can be a massive increase.  Some, like Vantage scores also don't look at most types of medical debt. 

Def do what geo says and get your credit report pulled. I'd suggest even doing it at each bureau on its own.  It's a little more annoying but I've gotten far more detailed information that way.  I found out some dude has the same First, middle and ALMOST last name but lives in texas, and is a felon.  He tried to get a credit card opened at bank of america and they did a hard inquiry which is how I found out about it.  I don't even think he was TRYING to steal my identity for it.  The credit bureas had his addresses and mine intermixed on places lived, old phone numbers, etc.  I had to dispute each and every one of them to let em know I've never been to Texas, let alone lived there.

Was annoying to deal with and now I keep my credit frozen and only temp unfreeze it specifically when I'm applying for a new line of credit.


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