I just had an inquiry and a CC age 1 year and saw a 7 point increase on score watch today. That leaves me with 4 inquiries to age 1 year every month thru December with no new TL being added during these next 3 aging a year. I'm going to keep my UT the same over this time and report any changes I see as I fall to 3,2,1....
I've always wondered how they are affecting me. I realize its a YMMV thing but thought some of you might want to see what several HP might cost in points....
Starting Score: EQ 609 EX 570 TU 656 March 2012 CH 7 BK 12/08
Current Score: EQ 691 EX 694 TU 713
Goal Score: all 3 700's.
Quicksilver $5000 Discover IT $1500 Barclays NFL $1250 Walmart $1500 CL Applied Bank $300 (secured) Take the FICO Fitness ChallengeIn the Garden till 12/14