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?
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: Discover Fico 709 3/15 Walmart Fico 743 4/15|
Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Earn Cash Back
|Amex Zync(Unicorn) |
Citi DC $10,000
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
Inq usually shows up first. Don't know that it would cost you 26 points though. You sure nothing else is going on?
Locked thread to direct others to your thread here: