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@iv wrote:
@Anonymous wrote:Oh hey that got it! Thank you!
It looks to be going up, but I have no idea what a 853 really means LOL.For TU CBIS, 853 is a middle-of-the-road score - not terrible, but also not terrific.
Above 900 is great, and you really don't want to drop below about 825.
I am at 790 as of today so I guess it's a good thing I don't drive!
Haha I suppose so! I do drive a lot.
@Anonymous wrote:I am at 790 as of today so I guess it's a good thing I don't drive!
Ouch. I'm guessing multiple recent HPs and new accounts?
I dropped from 913 to 880 with a SINGLE HP.
No new account (yet), no other change - 913 had been stable for a year.
But as soon as the HP hit (no 14/45 day grace period here!), boom, 33-point drop:
Wow and in mid next year I will be having another hard pull and 2 new accounts opened lol
@iv wrote:
@Anonymous wrote:I am at 790 as of today so I guess it's a good thing I don't drive!
Ouch. I'm guessing multiple recent HPs and new accounts?
I dropped from 913 to 880 with a SINGLE HP.
No new account (yet), no other change - 913 had been stable for a year.
But as soon as the HP hit (no 14/45 day grace period here!), boom, 33-point drop:
I am at 11/6 and 22/24, definitely new accounts and HPs 😂
I also have Amazon Store Card, Target, B&H, and CareCredit. I'm not sure if CareCredit counts as a store card but the others do.
@Anonymous wrote:
Yeah I’m kind of curious if the non-M/C Carecredit counts as retail as well. It seems some places it’s counted as retail and in some places it’s not, but it definitely doesn’t have a MasterCard Visa American Express or Discover logo so I fear that it does count.
Yes it is a shame the insurance scores do that because what if your oldest account is retail? And like @iv said, that just makes it worse being older. 😩
I will tell you something that improves your LN insurance scores though. Credit union credit cards. Highest breakpoint is 33%, so you can get the most points if a third of your cards are from credit unions.😉
Really? I didn't know that.
I have four currently - SSFCU, DCU, NFCU x2. I am looking to get my third NFCU card and either Alliant or Langley (or both) eventually in addition to getting rid of some of my Sync retail cards next year.
I am also getting more use out of my Target than I expected as it's replaced most of my Amazon spending so that one should be a MC in no time.
Well thats interesting to know! I dont belong to any CU although I have been considering in June potentially opening up a personal line with a CU to get their benefits.. does a PLOC cound the same as a credit card? There is no way I will get to a 33% CU card holding though lol
Hm well, I was thinking of opening an account at Alliant. I was reading some other posts about them and it might be a good idea. My current bank ticked me off and I am looking at alternatives. Also like the pre-approved visa program they seem to have although I have to check to see if they offer LOC.