So.... Pulled the trigger on the last credit account I was wanting for now. Going to focus the rest of the year on CLIs and probably one more CC from NFCU at 91/3 or 6 months (approved for my first with them earlier/yesterday now since it's so late I guess LOL). Instant approval for $1000. Got a $20 gift card out of the deal. I'll take it!
DPs - TU was pulled and was around the 650 - 660 mark (guesstimating as my new FICO 8 score won't update for me for a few weeks), 4 inquiries with one of those from earlier/yesterday and all of them acquired since November, four accounts added since November last one was January, 35% aggregate util with two cards showing around 80% and all showing something for a balance, DTI 3%, only derog is a 30 day late from 20 months ago, no installment loans open but one paid off that at least helps somewhat with credit mix, AAoA is 4 years 7 months.
