Moderator
Posts: 13,897
Registered: ‎04-15-2011
Re: can applying for a credit card raise a credit score?

True, if it's not reporting yet, it's not helping.  Probably older stuff coming off.  When it does report, you'll take a AAoA hit but that'll heal fast and the new TL will start decreasing util.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!