@laryn41 wrote:Hi there!
I'm on here a lot understanding my credit but don't post much. Any help would be appreciated. 10 years ago when I met my hubby I had a 525 credit score. Something that low. Last month I had a 809. I'm so proud of my credit. I'm constently make sure I pay off any bills I have although I do have 2 cards with a balance. I checked today and I have a 775 score. I check through my discover and walmart card. I know I do to have any collections. It says I have had 6 hard inquires and I did just get a Toyota auto loan all by my self. Is that enough to drop my score that low? Thank you
Yeah, assuming we're talking a FICO 8 score, depending what your former installment utilization was, tacking on a new auto loan could definitely cause that magnitude of a drop.
TBH though, 775 is still gold plated, and seriously, MASSIVE congrats for getting clean over the past decade, 525 -> 775 is most excellent.
