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rom828 wrote:
Well, that's a little more encouraging, because just this morning rec'd my Scorewatch alert and my score is down by 2 points (now 620) with the addition of the Wells Fargo mortgage.That 620 really scares me. as going down 1 more point puts me back in the really, really bad category....not that 620 is anything to brag about! But I've worked very hard to get back in the 600's (was at 629 several months ago.....opening new accounts hit it) so I hate to lose any more ground.Hopefully at the 6 months mark I'll see an increase!Is 6 months about the time frame that any type of account is not considered so 'new' anymore?!?I have some older, 'paid never late' car loans on record,('97, 2000, 2004) as well as a '1998' Master Card.I have a 12-05 Visa, and other accounts (retail) opened '04, '06 and in '07.I'm working on paying down Master Card and Visa to get to the 10% or below level, and the retail accts (4) in total are at about that now and will be at 0% in next three months. The retail accts I opened to improve utilization and mix, and I use them sparingly and have never been late. I also on those use deferred billing option so I never pay interest.I can't wait til I can get on this forum and announce I'm in the 700 club!!!!!!!!!!!