Moderator Emeritus
llecs
Posts: 32,869
Registered: ‎08-04-2007
Re: New accts added to CR, score not changing?

I can't speak for FAKOs as in the TransRisk and Vantage offered by CreditKarma and the TransUnion score from transunion.com (also Vantage), but your FICO score could have changed. I would guess at a score drop for the auto refi. I'd guess at an increase or decrease on the new CC. If you have other CCs, I'd guess a drop. If it's your only one or manybe you had one or two others, then there's a potential for a gain if util and/or AAoA didn't hurt you.

 

Closing the checking won't do anything to your score since checking accts are only factored in by collection agencies if you default.

 

I would have kept the WF CC open. You could have always sock-drawered it. It won't hurt closing early, but I'd PIF the balance ASAP.

 

You can built up your credit and still remain 100% debt-free. Just PIF after each use.

 

Don't apply for any new credit!!! The refi, the WF secured opening, and the NFCU would be a red flag and a drain on your score (aside from improvements to mix or util).