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Valued Contributor
Posts: 2,263
Registered: ‎07-23-2012
0

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: Discover Fico 682 1/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 4 TU 1 EX 5 | Most Recent: 09/26/2014
Over 12 Months:4


2014 Goals:
Lower Utility
15% right now, but going up soon :smileysad:
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Moderator Emeritus
Posts: 7,970
Registered: ‎12-19-2007
0

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.
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Valued Contributor
Posts: 2,263
Registered: ‎07-23-2012
0

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: Discover Fico 682 1/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 4 TU 1 EX 5 | Most Recent: 09/26/2014
Over 12 Months:4


2014 Goals:
Lower Utility
15% right now, but going up soon :smileysad:
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000

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