I've had a Discover card for about two years. I applied for the card to transfer other CC debt to an introductory 0.0% APR.

It's used for various purchases throughout the month, and I now pay it off twice per month, at the beginning and in the middle of the month.

Apparently a few months ago, Discover began reporting card holder FICO scores on monthly statements. I learned about that from the SA Forums. So, I pulled up my January statement, and could not find my FICO score. I sent a message to Discover to inquire why. Apparently the FICO scores are listed on a higher level card than the card I have, but since I asked, they began listing my FICO score last month.

My score last month was 718. My March statement was posted yesterday, and my new score is 721.

I'm neither proud nor ashamed of those scores. From what I can tell, 40% of people have a higher score, 40% have a lower score, and 20% have a similar score. In October 2010, my score was 580.

What I'll be very interested in seeing is how quickly it moves to the 750+ range (assuming I keep doing everything right). At three points a month maybe 10-12 months from now I'll be in that range.

I've added a FICO sheet to the spreadsheet where I track my net worth, budget, amortization tables, and retirement account.