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How long before you bounced back...

Regular Contributor

How long before you bounced back...

Score wise, after an app spree???
CURRENT SCORES: EX Fico (Amex) 730, TU Fico 745, EQ Fico 717

CURRENT CARDS: Amex Green NPSL, Amex BCE 2K, Chase Sapphire 5K, Citi Thankyou Preferred 3.5K, Discover It 1.7K, Walmart Discover 1.6K, Capital One Platinum 1.5K

4 REPLIES
Moderator Emeritus

Re: How long before you bounced back...

Are there new accounts showing? Usually by 1 year you would have recovered. More time might be needed if AAoA took a big hit.

Moderator Emerita

Re: How long before you bounced back...

Can be 3-6 mos. it really depends on your profile. How many accts, inqs etc
Regular Contributor

Re: How long before you bounced back...

7 new accounts :/ though my tu only took a 9 point hit according to my fico score from walmart today.
CURRENT SCORES: EX Fico (Amex) 730, TU Fico 745, EQ Fico 717

CURRENT CARDS: Amex Green NPSL, Amex BCE 2K, Chase Sapphire 5K, Citi Thankyou Preferred 3.5K, Discover It 1.7K, Walmart Discover 1.6K, Capital One Platinum 1.5K

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Established Contributor

Re: How long before you bounced back...

From six to twelve months. As stated earlier, it depends on your current profile, apps, inquiries, etc. I apped for two auto loans and one cc in a seven month period last year. Account one is now one year old and I haven't recovered all of my points yet but expect to by the time the second account hits the one year mark. As always, YMMV.

Starting scores 01/02/2012 EQ 707(Fico) TU 733(Fico)XP 735 (FAKO)
Updated scores 05/01/17 EQ 824, TU 812 EXP 810 (all Fico scores) Remember the Three P's: Pay early in Full, Pay on Time, Patience