@Anonymous wrote:
About 1 1/2 years ago I had scores in the low 710s with only one derog (30 day late just shy of 7 years at the time), no inquiries and 0% utilization. Gained about 20-30 points after it fell off. I did similar to what the OP did, opened 3 new accts over the course of about 6mo (only had 1 at the time) let them age and applied for a mortgage this past summer with a 788 mid score. I think it's very possible the OPs scores could be around 700 with nothing else negative, and if his profile is similar to mine so is a prime rate in about a year.
I think a year of positive history should provide a nice boost.
Yes, that appears to be a very similar situation. About how many months until your score started increasing? If I can get close to 750, I will be extremely happy.
