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[quote=Anonymous]OP here. As of yesterday, score is 680. It fluctuates based on my monthly balance on my Amex. I didn't realize that until I started using Credit Karma and will stop using my Amex so much (but I run it up to get points then pay it all off). I also have mortgage, car note, and student loans but no other credit cards. I don't have any judgments or liens -- I'm just sloppy about making payments on time. It's been my New Year's resolution every year for the last 10 years to do better...but alas.... [/quote]
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