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Does it seem EQ is more sensitive to new accounts than the other two? Im down nine pts (grrrrr) from an account opened in July, though Im highly thankful to the folks on here and this educational site. I know MUCH more about scoring and effects than I did four months ago. My TU and EX FICO scores dont seem to be as sensitive. Luckily the card is the last to report. I was going to app for a citi and amex in December, but I'll wait. Dont really need them right now. I will just let my current cards grow.
IME that was true too. I've lost an average of 20-25 per new TL when util or impact to the mix wasn't influenced. The ding was mostly under 20 on the other two.