cancel
Showing results for 
Search instead for 
Did you mean: 

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

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: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 1 of 3
2 REPLIES
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.
___________________________________________________________________
Do what is true in spite of the consequences--your future is only as true as you are.
Message 2 of 3
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: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
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