Well I was doing really well. My EX was 660, TU was 613 and EQ was 633.
This was in January. Well I applied for new CC Gold Delta Skymiles Amex CL= 1000,
WAMU Plat. Visa CL - 1000,
Capital One Plat MC- 750 (now 1250), and i had a
Gold Orchard Bank MC that had 300 CL (now 500).
Well I kind of got out of control with my spending and now have $2371 out of my 3750 avail credit. I also applied for 2 other cards but was declined during that time. I've always paid on time, and pay extra. I pulled my CR yesterday and my EX dropped down to 634. I am currently looking at buying a condo in the next 3 months, and thought that by using my credit wisely it would increase my scores.
My FICO avg is now 627.
I can afford to pay most of the $2371 off but want to make sure that is the right thing to do to positively impact my FICO before I go to the bank. I find it odd that my other scores were not impacted by my recent payment history
Current Scores
EQ 633
EX 634
TU 613
Help me!
