First SW alert, up 11 pts, util down 5%

Anonymous · ‎04-21-2012

Just got my first SW alert. I thought it was going to show a lowered score since I apped for the Simplicity and Chase SW yesterday.

Surprisingly, my score went up 11 points instead.

After running an update on CreditKarma, my util went down from 26% to 21%.

800 here I come!

RobertEG · ‎04-21-2012

While unrelated to the post, I am curious as to the reason for your app for new credit....

With a current score of 786, you apparently have a solid mix of credit.

New credit will hit with inquiries, addition of new accounts under one year, and a reduction in AAoA.

Obviously not for FICO reasons???

aussiesareforever · ‎04-21-2012

Congrats!

BK in January 2008---Barclay's Apple Financing Card ($10,000) --- Capital One Quicksilver ($13,000)--- Platinum Delta Skymiles ($35,000) --- GEMB CareCredit ($10,000) --- AUFCU ($10000)---Discover IT ($33,000)

Experian 835 Transunion 828-- August 2018

Anonymous · ‎04-22-2012

@RobertEG,

I wanted the Chase SW Airlines card for the 50K bonus pts. I mostly fly SW, so I will use the card for airlines tickets, car rentals, and hotel stays.

The Simplicity is going to be used for purchases and BTs for now. The APR I qualified for is 6% less than all of my other cards. This will be my everyday card for awhile.

I know my FICO score will suffer in the short term, but it should rebound nicely in 6 months or so.