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Had one Inquiry removed, Applied for new Home Equity at Lower Rate

skatenbyte
Established Member

Had one Inquiry removed, Applied for new Home Equity at Lower Rate

One Inquiry removed because of double in two days from same place.  Applied and got new Home Equity Loan for same amount at a lower interest rate so Experian and Equifax went down .  Equifax went up 5 (inquiry gone).  The scores are now close to one another at least.  Experian has the new inquiry for the Bank loan. But dawg.  


Starting Score: EXP 716, TU 716, EQ 715 (4/26/15)
June Score: EXP 818, TU 810, EQ 790 Current Score: EXP 803, TU 806, EQ 795
Message 1 of 5
4 REPLIES 4
NRB525
Super Contributor

Re: Had one Inquiry removed, Applied for new Home Equity at Lower Rate

What was your change in file to get the "Hard 100" increase to well above 800 in two months?

Congratulations on that, it is an impressive move.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
Message 2 of 5
skatenbyte
Established Member

Re: Had one Inquiry removed, Applied for new Home Equity at Lower Rate

Starting May 5th I paid down $15,000 in credit card debt all at once and my truck $9500.


Starting Score: EXP 716, TU 716, EQ 715 (4/26/15)
June Score: EXP 818, TU 810, EQ 790 Current Score: EXP 803, TU 806, EQ 795
Message 3 of 5
NRB525
Super Contributor

Re: Had one Inquiry removed, Applied for new Home Equity at Lower Rate

Well played. From what original open amount and CC utilization level, to balance and utilization after?

I'm interested because I'm also making a significant reduction in utilization and open balances.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
Message 4 of 5
skatenbyte
Established Member

Re: Had one Inquiry removed, Applied for new Home Equity at Lower Rate

I owed Citi $4200/$4200 paid to 0.

I owed Home Depot $2465/$5200 paid to 0.

I owed Synchrony $1400$4500 paid to 0.

I owed Best Buy $900/$2300 paid to 0.

I owed Barclay Card $3800/$3200 0% jumped up after info offer. Smiley Sad

I owed DSG $899/$1800.

I paid Discover down to $1500/10,600 but it is back up to $3800. 

Paid off Truck $9600/15000.

 

I got a Trek Card for $6700 limit, Boscov card $1300, Target card $2000 and Chase $2000 got these in April.

Got DSG $1800 in March.  I ploped $25,000 down on everything in May.  I got a credit limit increase from Discover from $6000 to $10,600.

 

Citibank is from 1994 oldest in database.  Discover is 15 years and Home Depot is 10 years. 

 

 


Starting Score: EXP 716, TU 716, EQ 715 (4/26/15)
June Score: EXP 818, TU 810, EQ 790 Current Score: EXP 803, TU 806, EQ 795
Message 5 of 5
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