Transunion Fico went from 644 to 743!!

[morganirish]

If you wait one year before you apply for anything else you may get to 800. 

[calihlove75]

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@morganirish wrote:

If you wait one year before you apply for anything else you may get to 800. 

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Thank you. I think I will take your advice. I would be happy to get my scores 750+ across all three bureaus. My equifax score is my lower score at 687 because of a 5 year old collection. I need to take care of that. TU and Experian are clean.  I have opened 3 new accounts in the last six months so your advice of waiting at least a year is the right thing for me. I would like to one day buy a house. We will see.

[Lasardo]

Would like to congratulate you on your success, this is a huge win. Would like to ask..how many inquiry's do you have and what kind of hit did you take after applying for the new card?

[calihlove75]

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@Lasardo wrote:
Would like to congratulate you on your success, this is a huge win. Would like to ask..how many inquiry's do you have and what kind of hit did you take after applying for the new card?

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I believe 10 total for TU over last 2 years (think 5 in last year) and 8 total over last two years (4 in last year) for experian after this application. So far, it does not look as if I took any kind of bad hit. I subscribe to several memberships and no points where deducted. However, I am not sure if that is the case on my fico score.

[RainaB13]

My Equifax is 124 points lower than my other scores too. 753,742,618. Is this typical? Their info really isn't any different.

[KoolDev]

Look at them all and compare exactly what is reporting.   My EQ shows one collection and the others do not show it.  That keeps mine a bit lower.  ALSO, different companies will pull a different report ( CRA ) than others.  Ex.,  Chase pulled from my TU, Citi pulled from EQ.   In other words, one may have more inquiries than another.  I have been shopping for a RV travel trailer and started asking the banks as to which CRA they pull from.