Starting Score: 560
You can start to see gains in 3 months. It really depends on you credit report. Thinks like AAoA, payment history and UTIL all come into play.
For example: in about 45 days from when you app your new card should start reporting. Depending on your UTIL you may get a bump from the new CL reporting. On the opposition end, depending on where your AAoA is when it starts to report you may get dinged again. Another example, if you have a history of poor payments then 3 months of another account with on-time payments may give you a bump.
Its really impossible to predict. 6 months and you should see some gains (all things being equal).
astritaho1979 wrote:I was wondering what is the opinion in here about me opening to many accounts back in october.Just wondering when will the score will go up again taking in to considiration that the new accounts will age Score at transunion was 729 fico back in october 2012 now it stalling at 708 fico.
Keen UTIL low and keep apps to a min and you should see your score shoot up (and maybe have a chance with Citi) haha... Best of luck to you though.
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