Showing results for 
Search instead for 
Did you mean: 

18 point hit on Experian - Advice is most welcomed!

Valued Member

Re: 18 point hit on Experian - Advice is most welcomed!

Good luck with it and let us know what happens.  Don't forget about CareCredit as well... they are a very good option for stuff like this.


I had CareCredit with a $2,800 limit.  I only used it 1x for an annual visit for my dog to keep the card active.  Synchrony canceled it, Chevron, and Mattress Firm all within 3 weeks even though I never was late on any payments, never asked for a CLI, nada. 

The only thing I can figure is that when I maxed out a couple of cards to pay for my Mom's funeral, they saw me as high risk and shut everything down.  CareCredit and Chevron has $0 balances. I'm taking my time on paying Mattress Firm just because I opted to pay the creditors that kept my accounts open during that time.

During this same time, CFNA (Firestone) gave me an unrequested CLI from $1600 to $2400.  I did try to open a CareCredit again a couple of weeks ago and was immediately declined with the only reason being that I had a Synchrony account before.  C'est la vie...

Message 11 of 12
Senior Contributor

Re: 18 point hit on Experian - Advice is most welcomed!

Well I hope you come up with a viable solution and are able to get your dental work done.  It really is a gamechanger when it comes to self-esteem.

BK 13 filed : 2-28-17 BK 13 discharged : 3-22-22
FICO8 current as of : 3-20-23 EQ: 668 TU: 657 EX: 674
Hard INQs last 12 months: EQ: 4 | TU: 6 | EX: 5
WF Platinum $1000 WF Reflect $6000 Verizon Visa $4000 Ollo MC $4000
Mission Lane Visa $1850 Credit One Platinum x5 $3000 Credit One Wander $1700 Upgrade Visa $2000
PenFed Gold Visa $2500 Amex Delta Gold $10,000 Care Credit $8000 Petal 1 Visa $2900
Cap One Quicksilver $500 NFCU CashRewards $2000 Apple Card $1500
Wells Fargo auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) $37k 6.79%
Total CL: $50,950 --- Total CC UTI: 18% --- AAoA: 12.5 years --- Income: $100k
Last CC app: 3-15-23 Gardening until: 3-15-24
Message 12 of 12
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.