What are your auto scores? (Click on 'View additional Fico Score Versions..." located under the 3 main FICO 8 scores) Experian has an Auto Score 8 and an Auto Score 2.
@Anonymous wrote:It was Experian that they pulled at the dealer.
I did look at the My fico and if it helps my scores are Equifax 699 Transunion 665 and Experian 658 though none of that lines up with the 625 the dealer told me so who knows.
@Anonymous wrote:Thank you......this is all rather new to me.
That does explain it.
Experian auto score 8 623
Experian auto score 2 678
So going to assume the dealer used #8 and it fell 2 points recently?
@Anonymous wrote:Thank you......this is all rather new to me.
That does explain it.
Experian auto score 8 623
Experian auto score 2 678
So going to assume the dealer used #8 and it fell 2 points recently?
Exactly (and probably fell because of the inquiry from the dealer). EX auto 8 is the one you need to watch for your re-app. So... to save you some money, you can sign up for the trial on Experian.com right before you're ready to app again -- just wait til all of your accounts update with their new balances, then get your new EX Auto 8 score.
What a difference a week makes.......
Week ago scores were:
Experian 658
Equifax 699
Transunion 665
Fico scores as of today,
Experian 722
Equifax 753
Transunion 722
I was a bit dismayed today to get the alert and see Equifax report a balance decrease of $7456 (Chase PIF) and $2136 (Discover PIF) and I did not get any points from either of those. On those two cards they are not joint as I had thought but her cards and I am just an AU on them and I guess that does not get a score bump?
My wifes scores have not come up nearly as much yet, I think it is like 14 points for her on each average but that is mostly because most of my accounts and those that are joint have already reported and hers I am not on or just an AU most will report late in the month. She did request that the banks do a mid cycle rescore...Walmart said yes, Discover said yes, our local bank who we have banked at for 20+ years said no to a mid cycle rescore on the PIF (which annoys me) and Syncrony NO x2. Chase did an automatic rescore as the balance dropped from $7456 (one I mentioned above) to $0. I did pay off all 3 of my personal CC's except for $1 though about 1k of that won't show up till next cycle as I missed the cut off date as I paid that card in 3 installments. Two of those payments made the cut off, one did not. By my calcualations on what I have paid off I am at 1.8% UTI though for the items that will get reported this month still the UTI as far as the bureaus are concerned will be 8.91% so not sure if I will get that last UTI bump or not for this cycle as I am very close and could have missed something. My wifes UTI is going to be under 28% once everything comes in i'm sure but she won't get under 9% but will be somewhere between 28% and 14% in that range. Will report back once everything clears with the results.
I did take your advice and I tried for the CLI as you suggested and on my 3 sole cards it was no, no and no
They are all with the same bank, that is something I need to fix. Now today I am sure they would have done so as the scores are better.
I did do the preapproval thing on line that does a soft pull today with Citi and American Express and Citi offered me 3 cards as did AE. Citi did offer the double cash card which is the one from research I want but at 20% APR after the 0% intro so did not do it. I will wait till the scores move up and try again after all of the items have reported and I think that may trigger their offering a lower APR for that card?? At least I think that is how it works.
Thank you again everyone for all the help.
Nice score increases!! Congrats 
Yea, AU cards are weird when it comes to how they weigh into util (if at all) -- there seems to be quite a bit of confusion as the data points gathered from various AU holders are not consistent.
As for the citi card, you could accept your solid 20% APR prequal and app now... then, when your 0% is due to expire, call or chat with a rep and request an APR reduction... just a thought. It is also possible if you wait until your scores get a bit higher, you'll prequal with a lower rate. The Double Cash is a great card -- one of my favs. The thing with Citi though is they tend to be quite stingy on starting limits -- but, can also be pretty generous with limit increases once your account becomes eligibile... just keep that in mind.