I use Citi Identity Monitor to check any changes to my Experian Credit Report. Anytime there is an inquiry or a new credit line opened on my account, I am notified immediately. That said, my actual credit score has remained the same on this report since I first gained access, just a little less than a year ago. Why hasn’t my credit score changed at all in the last year, when I have opened new lines of credit, and paid off loans? Any help would be greatly appreciated. Thanks.
I have been paying off all of my cards in full every month and I have no balances on my credit cards at the end of each month. Also, I have already gotten and paid off a 4 year loan in less than 3 months. My question is, why hasn’t my credit score changed at all in the last year (neither increased or decreased) based on the Experian Report?