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My 2 year old payment finally aged to 2 years, and while i don't think it was much of a bump to fico8(around 5-12 points) my other version scores jumped big time. ex: fico5 jumped from 649 to 577.
I know DCU pulls fico 5 and i would qualify for their "good" tier with that score, good for 2.74. Ill either be refinancing my car or purchasing a new car soon(technically ready today). The thing is, i have about 12 inq about to age to a year at the end of feb, currently my utilization is at 2%.
Should i wait until my inquiries are all aged off, hoping that it could shoot me up into the next tier? My utilization definitely won't be 2% again for a bit, under 15% for sure, but 2% is far away from 15...
Basically, do you think my scores optimized with a 12% uti and 2 inquiries, all over 6 months. Or 2% and 14 inquiries. i know no one can FOR SURE answer this, just looking for guesses.
Also, anyone had any idea if penfed would even look at me?
Already requested it to be moved to Auto Loans
It happens, don't worry about it
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