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Credit Score!!!

New Contributor

Credit Score!!!

I went on credit karma it said my score was 591 I was a 663 2 months ago I app for cap1 cash newcomers $500 and credit one $300
Wal-Mart $400 3 weeks ago I paid my other credits mostly off owe a little left and 2 cards not reporting yet and wanted to know when dose my credit score go back up 12 inqs 3 inqs are 1 year in 1-20-12 !!!
4 REPLIES
Established Contributor

Re: Credit Score!!!

Your score should go back up in about 6 months.  The inquiries and new accounts will start to age by then. 

Established Contributor

Re: Credit Score!!!

Be aware: credit karma provides a FAKO score, not a FICO score. This is mostly totally different from your FICO. But your scores will go up, once the cards age.

Amex Platinum | Discover IT | Amex BCE | Citi DCB | Chase Sapphire Reserve | Chase Sapphire Preferred | CapOne | NFCU goRewards and CLOC | Chase Freedom | Walmart | Alliant CU Visa | Couple of Biz Cards | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO (TU/EX/EQ): 737/772/752 - Total CL 215+K

Valued Contributor

Re: Credit Score!!!


NiNoMArksLA wrote:
I went on credit karma it said my score was 591 I was a 663 2 months ago I app for cap1 cash newcomers $500 and credit one $300
Wal-Mart $400 3 weeks ago I paid my other credits mostly off owe a little left and 2 cards not reporting yet and wanted to know when dose my credit score go back up 12 inqs 3 inqs are 1 year in 1-20-12 !!!

It sounds like you need to get over to the Garden Club in order to build your score.  You have nice new cards, but with that comes starter limits, inquiries, and low AAoA.  The only thing that will fix all of that is time.  Come on over to the Garden Club, ask for soft pull CLIs at 6 months, and otherwise just enjoy your new cards and making every payment to build positive history.

 

I agree, you have a few months left before that score is going to rebound back to where it was.  But you can do it!


In My Wallet: Amex BCP (12/12) $50,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Prestige (4/16) $30,000

Last App: June 27, 2015
Moderator Emeritus

Re: Credit Score!!!

+1  Get to the garden!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.