With interest rates continuing to be low, I've been looking to refi and in a few days it will be 4 years from discharge. EX is going to be my middle score, so I checked my FICO 2 available on my CCT subscription. I've checked it a few times in the past year and as recently as last month it's been 680-700 depending on my CC balances at the time.
Well, I check it for this first time this month and it's at 719! Certainly wasn't expecting a random 40 point bump. It looks like I just hit a threshold. Some things I can think of:
4 years from discharge
Not sure if that