This is my first post. Long story short, I was in the 400’s across the board in and started working on repairing the irresponsibility of my 20’s in 2016. In June of last year, I opened an unsecured Capital One Platinum card with $300 limit. I paid used and paid frequently, but at no point did I charge more than 20% of my limit. In December, I got a small CLI that brought it up to $750. By November, I was in the mid to high 600’s and bought a $300k house. Wahoo!! Just before Christmas I applied for Best Buy Visa and was approved for $3,000 SL! Holy moly!! I charged a tv on it when I opened it (in store) so I already have a $1080 balance on it. 3 weeks later (Monday this week), I went on an app spree trying to get my utilization down. Everything I applied for, I was approved for. These were my results:
Discover It $1,400
Amex Blue Everyday $2,000
My Best Buy $3,000
Chase Freedom Unlmtd $2,000
... and called Capital One to see if they would upgrade my Platinum card. They approved me for Quicksilver. Hard pulls were nearly exclusively from Experian with exception of Discover who also pulled Equifax. I’m down from 672 to 634 on Experian and down to 650 from 660 on Equifax. My TransUnion is at 693 and hasn’t been affected. How bad is it, oh internet docs? I’m feeling like a just ruined all that progress. It’s bittersweet for sure.
