I only have one personal loan, but it took 2 months to finally post. I will have this loan paid off April 28th. I'm paying off one CC and the personal loan to improve my DTI will get it down to 41.75% but hopefully it will improve my FICO as well. It seems like its also taking 2 statements for my AMEX to post as well, I still don't see it yet. Who know's why my score dropped. My FACO credit karma score is going up but almost all new inquiries were on EX and thats where the major drop occurred. TU and EQ are showing just 1-3 inquries and EX like 6-8 from what I can tell. Hopefully I'll be back over 700 before I have to appy for the car loan. I'm only paying down debt between now and then so we'll see. I was at 706 on EX when approved for AMEX and now 683 so I think that puts any CLI at 61 days in jeopardy. The CLI would help lower my utilization but I don't think its bad at 16% after I pay off one of my CC this mouth. There are no inquires for AMEX on TU and EQ so I'm assuming they only pulled EX.
I went to CCT and my Fico 8 scores are EQ 705,TU 704 and EX 683. My TU and EQ stayed the same just EX dropped. My new personal loan shows up on all three. Inquries are the only differences, but I had none in Feb. : TU 1, EQ 2 and EX 8 I'll only have 3 on EX that are less than 12 months old by July and 2 will fall off. So I'll only have 3 of 6 that will be counted toward scoring at the time of auto loan. That seems ok to me. Oh yeah my Amex hasn't reported yet on any of them.
Seems odd that inquires from Jan would make my score dropped 36 points now. My EX score was 719 on 1/31 after my last inquries which were on 1/24. Don't know??
I think I'm going to wait for my one card at 9% to report paid on my credit than hit the luv button on AMEX around 3/20 that's 65 days and Discover 90 days is April 1st since they are SP I might as well go for it. Wish me luck.
Should i just go for the 3X increase and hope the give me a good counter? My SL was $8200 and just double would be amazing!
