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credit inq's or utility? what do you think?

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creditnocash
Valued Contributor

credit inq's or utility? what do you think?

so i payed down quite a few of my cards last week. 

i also had 2 inqs age over a year on eq.

 

now my question is i had a scorewatch alert on 2/4 that was my charge card reporting a balance (missed payoff by one day) 

anyways usually ck gets my account balance reporting before scorewatch and it didnt show anything.

possible that 2 inq's aging can higher score 11 points? 

 

june is the next time inqs age over 2 in june and the last 4 on aug 30th. 

i dont have a power report, but i plan waiting till the end of the month possibly march 1st to buy new reports from here. (too be under the 9% utility reporting) 



Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23

Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE
Over 12 Months:0


2023 Goals:
Buy A Home
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000

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2 REPLIES 2
Junejer
Moderator Emeritus

Re: credit inq's or utility? what do you think?

Is that the only CC to report a balance? The INQs could cause an 11 point jump.






Starting Score: 469
Current Score: 846
Goal Score: 850

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Message 2 of 3
creditnocash
Valued Contributor

Re: credit inq's or utility? what do you think?

Yes and it's a charge card so it doesn't effect utility, just cards reporting I already had like 5 now I will have 2 after everything updates in the next week or two.


Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23

Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE
Over 12 Months:0


2023 Goals:
Buy A Home
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000

Message 3 of 3
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