Not sure what I am doing wrong, scores went down with the CLI. Transunion just seems to be at a complete stand still. Went up one point, while Equifax dropped 4 points and Experian stayed the same.
What can I do? Any and all suggestions welcomed. Still gardening, have not app'ed for any new credit since August of last year.
Starting Score: 572
I would add more data points if you want help. All opened accounts, any negative items, average age of accounts, longest open account, credit utilization, etc.
There must be something else that caused the changes. A CLI doesnt decrease your scores. Or increase really. Did your util change up or down?
@IwillWIN wrote:Not sure what I am doing wrong, scores went down with the CLI. Transunion just seems to be at a complete stand still. Went up one point, while Equifax dropped 4 points and Experian stayed the same.
With Transunion and Experian staying pretty much the same, it could be that the CLI made a hard inquiry on your Equifax. Would explain why your Equifax went down 4 points. That sounds about the right amount of points for a hard inquiry.
Personal cards:
Sorry here are the Data point
Disco sec $200 -to unsec CLI $2000 balance $200
Wayfair $500 CL, Bal $0
VS $350 CL, Bal $0
Regions Secured Loan $1000, Bal $402
Collection $1242
CC uti 7%
AAoA of 9yr 6mos
8mo most recent op acc
Just recently paid a collection off before the credit line increase occured