Added too many accounts....score worse than someone that doesn't pay their bills.

[CYBERSAM]

---

@Anonymous wrote:

my accounts are: cap1 QS1, cap1QS1, first premier, wellsfargl retail (ashleys furniture store card), express, victoria secret, kohls, lowes, walmart, BR, barclays rewars, kay, onemain financial (to get an installment on my mix), a closed zales, AU on a 2 year on chase account with perfect histroy and 0 uti..................21 inq, 0 lates.

side note, got another update from CK this morning my eqfx dropped 17 more points to 501. ive never been late on anything in my life lol. BUT, the CCT is at 601 and 630 tu

---

What is the Fico score on your Walmart and Barclays? they both provide you with free FICO TU.

Also what are you doing with first premier? cancel that thing asap!

And when did you open all these cards?

[Anonymous]

Your Walmart and Barclaycards should be giving you a FICO TU score. Can you tell us what it is? 

There's no need to stress about CK's FAKO score, as creditors don't use them. 

[Anonymous]

walmart is 650 as of 12/7......barclays is 634 not updated since 11/4

[Anonymous]

i opened them all starting around 3/2015 until this month........yes i will close first premier before the annual fee hits. it is my oldest open line so i am worried it will hut me to close it. 

[Anonymous]

I wouldn't worry too much about credit karma score. On credit karma my score is still around 520 but my score on my fico is 620-650. Only you can do now is like what everyone said, just sit on all those new account and don't open any new line of credit and build the current ones you have. Get CLI on ones that is soft pull and as your hard inquires ages you score will go up. Assuming you keep paying bills on time and keeping UTI low.

[Dalmus]

---

@Anonymous wrote:

i opened them all starting around 3/2015 until this month........yes i will close first premier before the annual fee hits. it is my oldest open line so i am worried it will hut me to close it. 

---

 Closing your First Premier won't effect you AAoA.  The only effect you'll see is on your total utilization.  If you carry a reasonable utilization on the rest of your cards, closing it won't hurt you.

[Anonymous]

---

@Anonymous wrote:

i opened them all starting around 3/2015 until this month........yes i will close first premier before the annual fee hits. it is my oldest open line so i am worried it will hut me to close it. 

---

Close it!!!

And your FICO score is the only thing you should be worrying about (the walmart and barclay ones)

Seems like it is pretty good

[Anonymous]

thanks for all the help

[JamP]

Over the years I have watched Creditkarma, CreditSeseme and Credit.com and my scores can be 25 to 100 points different then my real scores (Positive or Negative).

Don't dwell on those, as it has been said, your real scores are Barclay and Walmart.

Most of my cards I have now are based on getting Free Fico Scores and Rewards.

Keep paying on time, garden and you will be fine.

[Anonymous]

there are posters here that add 20+ store cards at once and never get hit like that.

I thought of Ron and pizza when I read this