How low will it go?????

[sarge12]

My takeaway from all this...earlier versions of fico, which were already lower, hardly noticed the changes. Fico 09 was a bit concerned, and Fico 08 took me to the woodshed. The question of how low it will go, has now been answered. Was it all worth it? Yes, to me, without a doubt. I will be interested in what the members here think.

[jamie123]

It all depends on your definition of "taken to the woodshed".

I think you did great!

You used your high scores to get a much needed auto loan with low interest rates and paid off your mortgage which is a super great lifetime achievement!

Your scores are still in the high 700s and will climb higher with time.

I say good job! Well done!

[sarge12]

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@jamie123 wrote:

It all depends on your definition of "taken to the woodshed".

I think you did great!

You used your high scores to get a much needed auto loan with low interest rates and paid off your mortgage which is a super great lifetime achievement!

Your scores are still in the high 700s and will climb higher with time.

I say good job! Well done!

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Thanks, and the only thing I did that I have some buyers remorse about is the Synchrony Paypal card. At the time, my attraction was the convenience of paypal as many online shops use paypal as the online payment method. Upon further reflection, I could have set the Citi double  cash as the default credit card for paypal, so I really do not see that anything was gained by the Synchrony exposure. I feel I could have used the pull for a more advantageous offer, but ti really is not a big deal. It also added another wrinkle that undoubtedly caused a little of the score drop, which prevents me from clearly defining the loss solely from the mortgage and auto loan. Based on past card apps it was likely only a small factor though.