I've been hovering around these forums for 4 months now and have gained a wealth of knowledge. During the same time I have been rebuilding. My scores during that time have improved slightly or have been stagnate due to the baddies on my reports(rehabbing SL) and some other accts that I'm disputing. But also because of a thin revolving credit profile. So this month, I decided to go big. Joined NFCU, got a auto loan($3700), NFCU CR($10k with luv tap 2x, 2HP's), and 3 cards(VS-$500, JCREW-$250, & EXPRESS-$ unknown till it arrives). So my question is, what will be the score impact of the new accts hitting? But how will that be offset when the accts report the balances listed below:
CAP1 secure-$0/200
CAP1 CR-$417/750
NFCU-$58/10,000
JCREW-0/250
EXPRESS-$0/??
VS-$0/500
Amex PRG(NPSL), Amex BCE($5K), Amex Hilton($1K), NavCheck ($15K), NFCU CR Siggy($20K), USAA Amex($7K), USAA World MC($7K), CSP($2.3K), Chase Marriott($1.8K), Care Credit($2.5K), Cap1 QS($3.5K), VS($500), Cap1 Secure($200) Starting Scores(Jan 2013): FICO EQ: 643, TU: 552, EX: 567 Current Scores(Sept. 2016): FICO EQ: 672, TU: 703(?), EX: 682 In the Garden FOR-EV-ER!!!!! Cards and goals achieved! Let's grow and mature these babies!!!