Long story short: I got this good offer for a 0% interest balance transfer to a card I haven’t used in 2+ years last month. So I did it, trying to transfer about 10K on my American Express balance of 16k this month to them, figuring I’d take the float and pay this off in a few months.
Only…when I tried to dothis, I got an error message from their web site. …Unavailable or something like that.
I looked more closely at it, and (thought) I’d discovered the problem…the credit card company, while giving me a line of credit for something like 20K, would only authorize a 6K transfer. So, I’m thinking, all right, let’s transfer 6K. And that went thru all right.
Now, fast forward to this month. I check my Amex baslance, to find I have a 6K CREDIT balance with them…yup, BOTH trandfers went through, so I now have a 16K 0% balance on the other credit card, and a 6K credit on my AmEx account.
So all right, I understand this, even though not why or how this happened. I can take as check from Amex and deposit it or use it to pay back the “extra” on the original, whatever.
Thanx for bearing with me. Here’s the utterly weird thing…THIS month, I checked my FICO score. And, with nothing on any outstanding balances having really changed, my score is suddenly around 20 points higher.
???
Nothign has changed,except for this since I got my FICO scores last year (September 2008), AFTER buying 2 vehicles… Everything else has stayed constant.
Can anyone explain how my debt remained constant and yet my score went up? Nothing has changed except for the above “rather strange” transfer.
Color me confused, but grateful. 
