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The dangers of the Sock Drawer

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SweetCreditObsession
Valued Contributor

Re: The dangers of the Sock Drawer

I know Eq penalizes you if you use a card that's been dormant for 6 mos.


(+102) | (+106) | (+151)
| TU Fico 9: ? | Exp Fico 9: ? | EQ Fico 9: ?| EQ Fico 8 Bankcard: TBA

Initial Goal: Min. 740 w/all CRAs - Met
Interim Goal: 780 w/all CRAs - Met
Current Goal(s): Min. 800 w/all CRAs
Gardening Until: ??/??/202?| Last App: 10/20/2023





Message 31 of 34
rcsoco
Member

Re: The dangers of the Sock Drawer

so you started at 791 and now youre at 792 a month later...you are ahead of the game

Message 32 of 34
AndySoCal
Valued Contributor

Re: The dangers of the Sock Drawer

@SweetCreditObessesion

 

If you are using MY FICO score watch there is inactivity setting which will alert you if an account has not been used for whatever time frame. IT has nothing to do with the creditor thinking the account is inactive or your FICO score. Please see my post earlier in this thread.

FICO Scores XPN v8 802 V2 831 (SDFCU) TUC 803 v8 EFX 807 (10/2023)
Discover 09/90 19,000, JCPenney 10/2008 4,700 US Bank Cash+ 12,000 Citibank Custom Cash 5/2015 11,100 C State Dept. FCU 15,000 06/2023 CLOSED: Walmart Capital 1 Banking: Discover Bank Ally Bank Credit Unions: Lafayette FCU Quorum FCU State Department FCU State Department FCU Pelican State CU Redstone FCU

Message 33 of 34
SweetCreditObsession
Valued Contributor

Re: The dangers of the Sock Drawer

Thanks @AndySoCal!


(+102) | (+106) | (+151)
| TU Fico 9: ? | Exp Fico 9: ? | EQ Fico 9: ?| EQ Fico 8 Bankcard: TBA

Initial Goal: Min. 740 w/all CRAs - Met
Interim Goal: 780 w/all CRAs - Met
Current Goal(s): Min. 800 w/all CRAs
Gardening Until: ??/??/202?| Last App: 10/20/2023





Message 34 of 34
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