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the home sale just hit

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expatCanuck
Super Contributor

the home sale just hit

So, the sale of our home (by choice - we moved) just hit Equifax,, with a corresponding 11-point hit.  

 

Besides continuing to pay down cc's, anything to be done 'til we become homeowners in our new town?  (We own our car as well.)


2023 Goal: save 3 months' net income

Starting FICO8: 666 (give or take a FICO)
[ Last INQ 12-Feb-2024 ]
EQ8415 INQ (Auto, CC, HELOC, 2 mort)7y2m
EX8125 INQ (2 CC, 2 mort, HELoan)6y11m
TU8294 INQ (3 CC, 1 mort)6y6m
5/243/12AoYA 0m | AoOA 23y6m~3%
Message 1 of 5
4 REPLIES 4
myjourney
Super Contributor

Re: the home sale just hit


@expatCanuck wrote:

So, the sale of our home (by choice - we moved) just hit Equifax,, with a corresponding 11-point hit.  

 

Besides continuing to pay down cc's, anything to be done 'til we become homeowners in our new town?  (We own our car as well.)


11 points is not bad at all I've seen worst for people paying off an installment under Fico 08. Some 30+ points down

Keep UTL under control and you should see those points back in no time 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 2 of 5
vanillabean
Valued Contributor

Re: the home sale just hit

Your mortgage fell off? Make sure your car loan doesn't before the new home!

 

Message 3 of 5
myjourney
Super Contributor

Re: the home sale just hit


@Anonymous-own-fico wrote:

Your mortgage fell off? Make sure your car loan doesn't before the new home!

 


No I think its showing as paid off at least that was my thought 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 4 of 5
expatCanuck
Super Contributor

Re: the home sale just hit


@myjourney wrote:

@Anonymous-own-fico wrote:

Your mortgage fell off? Make sure your car loan doesn't before the new home!

 


No I think its showing as paid off at least that was my thought 


Correct -- closed / paid off.


2023 Goal: save 3 months' net income

Starting FICO8: 666 (give or take a FICO)
[ Last INQ 12-Feb-2024 ]
EQ8415 INQ (Auto, CC, HELOC, 2 mort)7y2m
EX8125 INQ (2 CC, 2 mort, HELoan)6y11m
TU8294 INQ (3 CC, 1 mort)6y6m
5/243/12AoYA 0m | AoOA 23y6m~3%
Message 5 of 5
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