I am now "gardening" my credit

[FICOfit]

Got my car.  Got my cards.  Got most of the derogs off my CRS.  Now I will just sit back and do things right and hopefully my scores will start to rebound from the new loan, new inquiries and increased util (had a vet emergency......sigh....but that's why I have the cards sitting around with a low balance).

With all of the above happening, it tanked my scores 50 pts. on EX (most of the auto inqs where EX).

I don't plan on purchasing anything such as cars or a home for the next three years so it doesn't matter too much right now anyhow.

Please tell me my scores will rebound   I plan to take my cards from 50% util to 10% by October

[Anonymous]

Gardening is cool even when the heat index is at 100!!!  Everything ages.

[FICOfit]

I just hated it when I saw my scores drop from the 700s, which I worked so hard for, back to the mid-600s.  I know it's because of the new accounts/inquiries and my avg. age dropped a bit, but still.

[MidnightVoice]

I have been doing the same since December.  Another 6 months to get past the one year mark on all new credit, and I should be in good shape!

[Anonymous]

How much is the improvement in FICO score when one credit enquiry and tradeline ages one year ? Is it different for enquiry compared to new tradeline ?