After going pretty much underground for a very long time, I cam out to see the sunshine in June of 2017. What i mean by this, is I made a decision to cease using credit cards about fifteen or so years prior. I had no debt when i gave them up, I just decided I know longer wanted to use them. Ya, I know, in hindsight I should have bought a pack of gun every now and then and kept the two or so I had allive. Oh well, you learn by mistakes. Strange though as my Child Support payments show on my reports, and on some bureaus counts as age, others not. Never missed or was late on a payment, so the child support is actually positive on the reprots which count it. All cards listed below show no baddies, lates, or anything. Utilization is typically about 1 to 3 percent as I pay everything about every week or so.
So, after seeing an ad for Credit Sesame, I downloaded the app in about June of 17. CS as you all know, natually said hey dummy, apply for this card, you have good approval odds. Ok, sounds good, time to get out of this no credit card stance. So I applied and got a Capital One QS1 card, with a SL, of 1000. I think this was what I have learned on here as a credit steps card, as it stated that i would get a increase after five months. That occured and I went to 1500 in December of 17. In July, 17 I recieved a Credit One pre-approval and said ok, fine. Credit One gave me a whopping 300 SL.
Fast forward a few months and in March thought I would apply to Macys and was refused. Kind of suprised at the time, but now am happy to have been refused. No need for it. In May of 18, I recieved a pre-approval for a Chase Freedom Unlimted, agreed, and got a 6600 SL. The the horror occured. I found MyFico. Not sure how. So, now, after finding MyFico, I have learned so much, i have deciedd to try some of the different items i have learned on here. in doing so, since June, I have made some changes and added some cards.
First I added a Amex Blue Cash, and a Amex PRG. in June. Almost at the same time, I saw that I could get a CLI on my Cap One QS1, so I hit the CLI and got three time moving from 1500 to 4500. The next day, after seeing how on MyFico, i called CapOne and product changed my QS1 to a Venture One. Which is just fantastic as I use Hotels dot com a ton for business, and now slide some of my bookings from my company CC to my personal V1, and have earned 40K points in just 30 days of doing this.
I then added a Citi Costco, since I do hit Costco often, with Citi giving me 8K as a SL and close my Credit One, prior to the annual fee hitting, which again, thanks MyFico for the info.. My intent was to just sit and chill, or as it is called here, Garden, except Chase prevented that by giving me a offer for the Sapphire Preferred, and of course I hit the apply, and got a SL of 22,400.
As pleased as I am where I am right now, I am getting tired of my Credit Scores going down. In the beginning of June I was Ex-729, Eq-734, and TU-736. Now checking today, June 22, I am EX 709, with Eq and Tu, similar. I need the scores to reverse themselves and go up, but know it will go down more, as the Amex Blue and Chase Sapphire Pref. are not showing yet.
When does the decrease in scores stop from adding cards and having inquiries, which I am done with, and when will the scores now rise?
It won't stop until you stop. They will go back up in time. Its just quicker to drop than go back up.
A trip to the garden will do you a world of good!
OP, when I read your title, I truly thought that you were receiving lots of collection calls and wanted them to stop. 
My advice to you would be to freeze all your credit reports because if your credit reports are frozen, you will get denied for anything.
Your scores will rebound with time. Just garden for 6 months to 1 year and pay in full when possible. 
@LunaBuna wrote:After going pretty much underground for a very long time, I cam out to see the sunshine in June of 2017. What i mean by this, is I made a decision to cease using credit cards about fifteen or so years prior. I had no debt when i gave them up, I just decided I know longer wanted to use them. Ya, I know, in hindsight I should have bought a pack of gun every now and then and kept the two or so I had allive. Oh well, you learn by mistakes. Strange though as my Child Support payments show on my reports, and on some bureaus counts as age, others not. Never missed or was late on a payment, so the child support is actually positive on the reprots which count it. All cards listed below show no baddies, lates, or anything. Utilization is typically about 1 to 3 percent as I pay everything about every week or so.
So, after seeing an ad for Credit Sesame, I downloaded the app in about June of 17. CS as you all know, natually said hey dummy, apply for this card, you have good approval odds. Ok, sounds good, time to get out of this no credit card stance. So I applied and got a Capital One QS1 card, with a SL, of 1000. I think this was what I have learned on here as a credit steps card, as it stated that i would get a increase after five months. That occured and I went to 1500 in December of 17. In July, 17 I recieved a Credit One pre-approval and said ok, fine. Credit One gave me a whopping 300 SL.
Fast forward a few months and in March thought I would apply to Macys and was refused. Kind of suprised at the time, but now am happy to have been refused. No need for it. In May of 18, I recieved a pre-approval for a Chase Freedom Unlimted, agreed, and got a 6600 SL. The the horror occured. I found MyFico. Not sure how. So, now, after finding MyFico, I have learned so much, i have deciedd to try some of the different items i have learned on here. in doing so, since June, I have made some changes and added some cards.
First I added a Amex Blue Cash, and a Amex PRG. in June. Almost at the same time, I saw that I could get a CLI on my Cap One QS1, so I hit the CLI and got three time moving from 1500 to 4500. The next day, after seeing how on MyFico, i called CapOne and product changed my QS1 to a Venture One. Which is just fantastic as I use Hotels dot com a ton for business, and now slide some of my bookings from my company CC to my personal V1, and have earned 40K points in just 30 days of doing this.
I then added a Citi Costco, since I do hit Costco often, with Citi giving me 8K as a SL and close my Credit One, prior to the annual fee hitting, which again, thanks MyFico for the info.. My intent was to just sit and chill, or as it is called here, Garden, except Chase prevented that by giving me a offer for the Sapphire Preferred, and of course I hit the apply, and got a SL of 22,400.
As pleased as I am where I am right now, I am getting tired of my Credit Scores going down. In the beginning of June I was Ex-729, Eq-734, and TU-736. Now checking today, June 22, I am EX 709, with Eq and Tu, similar. I need the scores to reverse themselves and go up, but know it will go down more, as the Amex Blue and Chase Sapphire Pref. are not showing yet.
When does the decrease in scores stop from adding cards and having inquiries, which I am done with, and when will the scores now rise?
It stops immediately. Stop applying and your scores will go up up up.
Relax, take a break. In six to nine months your scores will be back and possibly higher than before you started.
Let me put it in perspective for you. In May of 2015 I had 6 or 7 opened and closed TLs reporting(4 active) I'm now about to pass 55 reporting TLs. That means I've averaged around 15 new accounts a year for the last 3 years. That's a mixture of revolving and installment TLs. My scores were in the mid 600s when I started.
Current scores are in my signature.
I'm telling you this, so you can get a better understanding that your scores aren't going to keep going down.
Especially if you don't app for anything the rest of the year. As long as everything is paid on time. You'll be more than fine.
