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Regular Contributor
DrJim
Posts: 232
Registered: ‎10-26-2009

MY CR's Will Have Nervous Breakdown

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‎09-10-2012 01:27 PM

This month will see:

 

1.  Addition of $14K credit line

2.  Addition of $416K mortgage after third payment

3.  Payoff of signature loan 2 years early.

 

Think I need to wait 6 to 12 months for all the dust to settle.  :smileyhappy:

Starting Score: TU 672 EQ 654 10/20/09
Current Score: TU 724 EQ 708 EX 723 AMEX 02/12/2013
Goal Score: 760 across the board

AMEX Delta Platinum $25K, NFCU Visa Signature $30K, HHonors Signature Visa $14K, WF $13.5K, Care Credit $3.5K

Take the FICO Fitness Challenge

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Frequent Contributor
Razeus
Posts: 349
Registered: ‎04-02-2012

Re: MY CR's Will Have Nervous Breakdown

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‎09-10-2012 01:33 PM

Congrats.


I'm feeling the same way about mine.

 

I got all my new lines in August and any time now, I'll have

 

AMEX Zync NPSL

AMEX BCE $1k

Discover It $10k

Chase Freedom $5k

GE Care Credit $2k

Wells Fargo Mortgage - $169k

 

all reporting.  Not sure how long it takes for mortgages to show up, but I'm assuming my 6 new lines of credit are going to report by the end of this month and do some serious damage.  This is why I'm in the garden for at least 6 months, maybe a year.

My Scores:
FICO (Oct '11): EQ - 491 | TU - 523 | EX - 481 (all tri-merge)
FICO: EQ - 653 (Aug '12) | TU - 700 (Nov '12) | EX - 687 (Aug '12)

My Wallet:
Discover It $11,000 | Chase Freedom $5000 | AMEX BCE $3000 | Paypal Extras Platinum $3,000 | Wells Fargo $1,000 | AMEX Zync NPSL

I want:
AMEX BCP | Chase Sapphire Preferred | US Bank Cash+ | Citibank Dividend Preferred
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Regular Contributor
DrJim
Posts: 232
Registered: ‎10-26-2009

Re: MY CR's Will Have Nervous Breakdown

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‎09-10-2012 02:42 PM

My mortgage is with WF also.  Preapproved by NFCU and BB&T totally dropped the ball.  LO said she was sick, then her child sick, then on vacation!???

 

WF was great.  Slow out the gate, but responsive after that.

 

It doesn't effect my score, but this month my AMEX Delta Gold also went to Platinum and my NFCU cash rewards went to a Visa Signature account.  All-in-all a very busy credit month.

Starting Score: TU 672 EQ 654 10/20/09
Current Score: TU 724 EQ 708 EX 723 AMEX 02/12/2013
Goal Score: 760 across the board

AMEX Delta Platinum $25K, NFCU Visa Signature $30K, HHonors Signature Visa $14K, WF $13.5K, Care Credit $3.5K

Take the FICO Fitness Challenge

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