Frequent Contributor
Posts: 396
Registered: ‎04-02-2012
Ouch! How long until you recover from a rebucket

My mortgage FINALLY reported a couple of days ago (I closed August 2012!).  My score too a 40 point dive, down to 660.  I suppose I'm in a rebucket phase, so how long until I can recover?  


I'm in the garden for the rest of the year, as I don't anticipate needing any more credit (I bought a new car December 2012, as well as a string of new credit cards) for a good while.  I was going to go for the AMEX BCP and Chase Sapphire this fall, but I'm going to wait until next year so my 18 inquiries (!!) clear up.  I may have to wait 2 full years.


I hate to see my score so low after hitting the 700 club.  But I guess it's better than the 480 I had in 2011...

My Wallet:
Discover It $14,300 | Chase United $12,000 | Chase Sapphire Preferred $7,000 | Chase Freedom $5,000 | Citi Simplicity $5,000 | AMEX BCE $4,200 | Paypal Extras Platinum $5,000 | Wells Fargo $1,000 | AMEX Zync NPSL