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

creditnocash · ‎07-23-2012

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: EQ FICO 675, TU FICO 692, Walmart TU 730 EX FICO 726 Amex Pull(1/1/13)
Starting total revolving credit: $2600 | Current total revolving credit: $21,600
Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012

2013 Goals:
Freedom Signature
Costco:True Earnings

Amex Zync(Unicorn)
Chase Freedom$1500
Citizens Mastercard$5000

ByrdMan · ‎12-19-2007

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

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Do what is true in spite of the consequences--your future is only as true as you are.

creditnocash · ‎07-23-2012

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: EQ FICO 675, TU FICO 692, Walmart TU 730 EX FICO 726 Amex Pull(1/1/13)
Starting total revolving credit: $2600 | Current total revolving credit: $21,600
Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012

2013 Goals:
Freedom Signature
Costco:True Earnings

Amex Zync(Unicorn)
Chase Freedom$1500
Citizens Mastercard$5000

Understanding FICO® Scoring

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

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

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