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Interesting swing in couple of days

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Anonymous
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Interesting swing in couple of days

My EQ Fico (score watch stuff) was 693 on 4/2, util was around 39%
 
App'd 3 cards all approved, increase CL $15,000 (total) no INQ on EQ
 
Discover 1 card $8,000 limit reported 4/9 and I dropped to 690 (other 2 cards no report yet)
 
Made large payment that dropped my util to 32%
 
Today score (4/11) 712
 
cliff notes:  693 and in 9 day period on EQ 693/down 690 when discover first reported/now 712 after 7% util drop (+22 points)
 
Guess I am glad now that I didn't app anything EQ and take a inquiry although I only have 3 reporting last 2 years and 1 is going to drop off from dispute (First USA that I NEVER applied for that posted a hard 6 months ago) from the good advice from people here I will successfully get it removed Smiley Happy
 
May be time to app a card against this EQ and get more CL.  I have a pre-approval for $8500 to $11,500, take small hit from INQ or let it counter the one that will drop and let util drop to 22%
 
I am about to re-fi a mortgage and they pull EQ so this should be nice.  Thanks again forum!
 
 
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Anonymous
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Re: Interesting swing in couple of days



ZoomZoom wrote:
 
May be time to app a card against this EQ and get more CL.
 
[snip...]
 
I am about to re-fi a mortgage and they pull EQ so this should be nice.  Thanks again forum!
 


Nice going!
 
However, the two lines quoted above don't play nicely together. Smiley Tongue  Rule of thumb: No apps for new credit 6 months before mortgage shopping!
 
Message 2 of 2
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