02-14-2013 02:10 AM
So after my MEGA app spree over a month ago, my scores have been all over the place. Which I knew would happen to a certain extent.
I've gained $55K in credit, and my AAoA is about 9 mos now.
What's confusing me is, myfico EQ went from 745 to 706. EQ was my best report, with no baddies.
EX (experiandirect, I know it's not the real fico but it does indicate the direction/trend in my credit) has gone from 670-ish to 716, with a paid collection from a year ago.
Walmart TU has gone from 641 to 674, same baddie as well.
So in a nutshell, EX and TU with the collection on each, has jumped significantly while adding the new TL's. EQ has plummeted with the same new TL's added and 0 baddies on that report.
One noticeable difference is the inquiries are mostly EQ. EQ 9, TU 2, EX 1.
02-14-2013 03:51 AM
Your age of active account (a scoring factor) has greatly decreased. High scorers don't open a ton of new accounts or have an old Amex hanging in their sock-drawer.
Inquiries are also factored into your score.
02-14-2013 03:57 AM
02-14-2013 04:21 AM