I've been watching my reports like a hawk waiting for CareCredit, B&N and MyPoints (though I applied for it last) to report and for Kohls to report the new info. My statement just closed with Kohls (and the Cld'd me) so that should happen soon, but Carecredit posted to Exp and BN posted to TU and EXP. Both have zero balances since I haven't gotten BN and haven't gone to the dentist yet. My TU score went up 2 points and my EXP remained the same. I find this very weird.
I should also note that there was no other increase in any balances to my CR. The only card I've used this month is my HHB Rewards and I've been PIF before the statement closes. By doing this, I got it to report $43 instead of $155 like last month, so that's something. As soon as Chadwicks processes my return, I will either have a 0 balance or credit on that and I'm going to pay off my Roman's by the end of this month or early Sept. I know store cards don't give you as big a bump as non, but except for Kohls (which I want to carry a balance for several months so I can re-establish history) and Target, my 4 other store cards have balances under 100 so it's easier to pay them. I did also PIF my HHB card and sent a check to Merrick to cover the $3 monthly fee so I'm hoping within the next month or two, I'll have 0 balances on 3 of my non store cards as well. I'm hoping in addition to having 9% or less report, it'll help me to have 2 or 3 cards w/ a 0 balance.
I was sure adding these two new accounts would tank my score. SO glad I was wrong.
