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If you already have 9 inquiries, a 10th will not make much difference other than another 5 points or so off your credit score. When applying for a mortgage, I would almost be certain that a LO would ask for an LOE for so many inquiries in such a short amount of time. The installmen loan would aid in adding to your credit mix if you do not already have one, but will hurt your score once it is paid off it is indeed your only installment loan.
I totally feel you. Just erased 10k of CC debt in May down to around $200 by September. Awesome feeling to not have to make multiple large CC payments every month.
@CreditOCDinCali wrote:
Congrats! I would like to be able to do the same. I'm constantly feeling like I have a chain and ball tied to my ankle.
It took a lot of overtime at work and many 16 hour days, but seeing the balance go down by $2000 and $3000 chunks is both great and saddening. Happy to get out of debt, sad to see such large amounts of money being spent on non-fun things lol. The best feeling was pulling my FICO scores after they new balance reported. Before they were 651 664 685, and after they are 734 731 724. Also had a judgment and chargeoff early excluded as well during that time.