If you don't currently have three revolving accounts, I would go with opening the new one. That way, the inquiry and the hit to AAoA will not be affecting you as much and will grow while you fight off the baddies.
I saw a decline in my score when my disputes came back because they updated the late reporting. This could be from some aging or a utilization change or something like that.
just refreshed my report... All 3 EOS CCA have fallen off my experian report... but only 12point increase??? **bleep**
That was 3 latest collection accounts....
ugh gues when you have so many collections 3 doesnt make much of a difference..
looks like midland and the auto repo/collection need to go next to see significant increase