Credit Card Center Advertiser Disclosure

Valued Member
Posts: 45
Registered: ‎01-17-2011
0 Kudos

How often should I check my scores?

I joined about 2-3 weeks ago. I bought the quarterly monitoring with access to my score & report every 3 months.  MyFico provided my TU score. I went to EQ site and bought my score from them around same time.  I opened up a CC b/c I didn't have one.  I got a little app happy one night and app'd for 2 more cards; this was after going 2 years w/o a single inquiry to my credit. I'm looking to buy a car in next couple of months and I want to make sure my scores go back up. I'm itching to buy it again from MyFico to see how much damage I did with the apps so i know what to work toward for the car.  I was a 670 before w/ both TU & EQ.  


Should I go ahead and buy this month or just wait till end of February and give time for new card to report and make a payment? Or would it be wise to go ahead and buy so I know where I stand right now?

Frequent Contributor
Posts: 274
Registered: ‎12-31-2008
0 Kudos

Re: How often should I check my scores?

Since you've just added new cards, buy, pay off, and wait up to 2 months before pulling your scores.  This will also mitigate some of the damage from the inq you received when you applied.


As long as you don't let a balance report on your statement and you aren't late, your scores should go up and probably in 3-4 months you would be good for car shopping.


Hopefully someone else can come along to confirm this.

Current Scores: EQ: 740 (2/7/13)

Starting Score: 799
Current Score: 762
Goal Score: 800

Take the FICO Fitness Challenge

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.