Just an interesting note. Our new Junny ($15,000 CL) hit EQ today, DW's card, me as AU. My score went down 6 points, hers went up two.
Possible reasons:
It did not significantly effect Util on EQ or TU as it is very low (about 1%)
All the new credit in the family in the last 6 months has been me up to this point (2 inqs for CLIs, 2 inqs for car, me becoming joint on her store card,). And the car loan and new AMEX have not hit yet (mine only). So I have been getting (by my standards) a lot of action recently, and a lot of new accounts. The oldest new account (Chase CC) is a year old on Saturday, and the 2nd oldest is a year old in April. By then the AMEX and car will show up, so I should reach stability. Later in the year (usually about August) my average age will go up a year, which will help as well.
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid