10-10-2012 04:29 PM
Asking for help fellow ficoer's. I was at 788 in Equifax for a while with AAoA at 5.7, oldest account 15 years, UTI less than 1% and no negatives at all. So I applied for Discover IT and approved but the account hasn't shown up yet, but only the INQ which stands at 3. I recently paid off a loan which brought my revolving accounts down to 2 ( was previously getting negative indicators because I had 3). Long story short (too late I know) but now my EQ FICO is 762.I'm deploying for the next 7 months so its not huge but plan on buying a home when I return and want the best rates. Can anyone point me in the right direction as to what happened?
10-10-2012 04:37 PM
was it a new auto loan?
maybe the drop in aaoa from the discover?
over times it will grow again.
even with a 750 you can get the best rates i believe.
|Current: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13)|
Starting total revolving credit: $2600 | Current total revolving credit: $21,600
Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012
|Amex Zync(Unicorn) |
10-10-2012 04:40 PM
The INQ was for a new Discover CC, the INQ showed up but account hasn't hot yet so I'm very curious. I know its greedy to nit-pic about such things but I am blown away by the real FICO score loss
10-10-2012 05:11 PM
Inq usually shows up first. Don't know that it would cost you 26 points though. You sure nothing else is going on?
10-10-2012 05:15 PM
Locked thread to direct others to your thread here:
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