No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
@fused wrote:Where are you getting these numbers? If you give more info I can guess. What are your FICO scores, how thick is your credit file, what's your mix, avail credit to util on CCs, installments, baddies, length of history, average age of accounts, inqs???
There is no way to know exactly how many points you stand to gain or lose with any change on your reports. I will say those with higher scores tend to take bigger hits for new inqs and accounts versus someone who in the 620 club.
@Anonymous wrote:
@fused wrote:
Where are you getting these numbers? If you give more info I can guess. What are your FICO scores, how thick is your credit file, what's your mix, avail credit to util on CCs, installments, baddies, length of history, average age of accounts, inqs???
I just loose 30 points for new accounts when nothing else is new. Wasn't sure if it was heavier on the inq or accounts.
What happens is, inq + account less than 2 months = 30
Then I get back 10 points after 2 months and 10 points back after 12 months.
Somewhere along the line I loose 10 and gain 10. Wasn't sure if it was the inq. Wait. I can test this right now. BRB.