So I just pulled my report today and what a difference my score took 
.. 2 months ago before I had apply for new cc's (5) , my scores were 796 Fico.. Pulled my report today after making sure my 5 new account hit my CR my score dropped to 706 ( gahghh 90pts drop)..
People keep saying that after 6 months the score will return back to normal if not better is this like a for sure thing or will it actually take 9-12 months for full recovery?
Another question I have is since I had 1 CC before my app spree I had a 796fico alrdy, while adding the new CC I know it will get rid of the " too few account paid as agree" but I was wondering if I will break the 800 barrier after gardening for awhile until I am rdy to try for the csp again..
Another thing is that my app spree is all within the same week so I guess they will all age nicely together... Are there any other factors to break into 800 CS?
I never been late on my cc payments, and my util is always below 7%.. I don't have any lates/ derog/ nor any bk..
Thanks, hopefully someone who been through this can gimme some guide or knowledge.
.. 2 months ago before I had apply for new cc's (5) , my scores were 796 Fico.. Pulled my report today after making sure my 5 new account hit my CR my score dropped to 706 ( gahghh 90pts drop)..People keep saying that after 6 months the score will return back to normal if not better is this like a for sure thing or will it actually take 9-12 months for full recovery?
Another question I have is since I had 1 CC before my app spree I had a 796fico alrdy, while adding the new CC I know it will get rid of the " too few account paid as agree" but I was wondering if I will break the 800 barrier after gardening for awhile until I am rdy to try for the csp again..
Another thing is that my app spree is all within the same week so I guess they will all age nicely together... Are there any other factors to break into 800 CS?
I never been late on my cc payments, and my util is always below 7%.. I don't have any lates/ derog/ nor any bk..
Thanks, hopefully someone who been through this can gimme some guide or knowledge.
How long is hard to say ESP on a previously thin file. The hit to your AAOA will most likely prevent you from reaching 800 as soon as you like.
I know it won't be soon( maybe 2-3yrs after I can get the csp) but I am just wondering if it can happen, since I added new trade line or is 796 like what I had before the highest I can achieve.
@JaeJae12 wrote:
So I just pulled my report today and what a difference my score took
People keep saying that after 6 months the score will return back to normal if not better is this like a for sure thing or will it actually take 9-12 months for full recovery?
Another question I have is since I had 1 CC before my app spree I had a 796fico alrdy, while adding the new CC I know it will get rid of the " too few account paid as agree" but I was wondering if I will break the 800 barrier after gardening for awhile until I am rdy to try for the csp again..
Another thing is that my app spree is all within the same week so I guess they will all age nicely together... Are there any other factors to break into 800 CS?
I never been late on my cc payments, and my util is always below 7%.. I don't have any lates/ derog/ nor any bk..
Thanks, hopefully someone who been through this can gimme some guide or knowledge.
90 pts is way too much.................
Is that your score here?
Yes,you can achieve your CS again. It will take time and proper maintenance of your cr.
Yes I brought the score here, I had a thin file because I had only 1 CC prior to my spree... During my spree I added 5 new accs. I guess the inq/ new acc dropped my score a lot
it's coming back in 6 months or so
Starting Score: 560