Well my 704 FICO 8 EQ score just tanked due to a Dish network collections acct. I am 4 days away from my 90 days with my Cashrewards card. Do you all think this will kill my chances of a CLI? Heres my perts:
Util on CR - 38%
AAoA - 4yrs
AA of Open accts - 5 months
Oldest Acct 11yrs
No lates, BKs or Public Records
One collection from 8/1 but backdated to 6/1 (showing as 2 months old)
5 HPs last year
3 revolving accts, 1 installment
10% DTI
Income 126k
NFCU pay history is perfect and util with NFCU is 10% of $3000 (I run $4000 through the card monthly)
FICO 08 dropped from 704 to 610 overnight
Any guidance is appreciated. I also accidentally maxxed out my USAA card (balance $917 of $1000 limit) because i paid one day too late
