Senior Contributor
Posts: 3,067
Registered: ‎11-02-2009
Re: More EX pulls after 2 AMEXs?

Did you only have one CC previously?  If so, you might see a score increase from adding these accounts.  Sometimes people see better scores once they get to 2-3 accounts.


Having higher overall credit limits will help you in terms of it being easier to keep  your utilization low, but if you already had it at a low percentage, you won't see much benefit in that regard.  Utilization is all about percentage, not absolute numbers. 


If you only had one CC, you will probably also see a benefit because now you will be reporting a balance on 1/3 CCs as opposed to 1/1. 

Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720

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