Posts: 268
Registered: ‎10-25-2012
Help with my credit report...
I just got my TU credit report. Down from 700 to 677 from November to now. I opened an amazon, discover and cap1 all in Oct/Nov of last year so I'm sure that affected it. I just paid off my cap1 which hasn't shown yet on my report so hopefully that'll boost it a little but I just had a question regarding my accounts.

It says I have 9 total accounts and I opened 6 last year with 6 reporting balances. Since I only opened 3 credit cards I can only assume the others are from student loans. I Didnt realize they showed as accounts opened. My student loans are being deferred right now bc I'm still in school. Is this hurting me?

I need to apply for care credit in May for alot of dental work and I'm afraid now I won't be approved. My AAOA Is bad, I only have 1 year reporting with my oldest being 3 years. Trying to pay off my other credit cards before applying but obviously the student loans are not going to be paid off.

Do they look at student loans the same as credit accounts?

It's also showing 8 inquiries in the last year. When applying for a student loan is that considered an inquiry too?

This stinks. I thought I was doing really well. Hopefully when I pay off my last card ill get back up to 700. But I'm just concerned with be able toget new credit in the next month with this issue of my AAOA and number of accounts showing balances.

EQ 701, TU 685, EX ?
Amazon store $2500(10/12), Cap1 $1500 (10/12), Discover $1700 (11/1/12).