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Curious2015

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Why has my score gone up. Who reports to CK monthly? Utility companies?

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Top Contributor
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scores fluctuate all the time

Landolords, Utilities and phone companies don't report to Credit bureaus unless you're missing payments. 

CK reflects what is in your Credit Reports, No one reports directly to CK. This is a user based, educational site for monitoring and managing your credit.

As to why your score went up, Who knows. With out seeing your credit report there is no info to even base a guess on. Scores fluctuate with payments and charges, Utilization and Credit lines. Inquiries and age of accounts.  There are 5 major factors in your score and as many as 12 others that are considered when you apply for a loan.  All of this info is factored into your score using mathmatical Algoritiums.  And not all creditors use the same algoritiums so you can end up with several different scores at any given time.

Good luck

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