Hi all Ficoers!
I just wanted to give some data on credit card applications and the effect.
I opened a new Chase Freedom Unlimited card July 11 in branch pre-approved solid apr. SL $24,100 Chase pulled TU/EX
2 months later, all 3 bureaus reporting the new account. EQ mortgage score down 37 points to 738. TU mortgage was always a bit lower and now 730. EX mortgge score to 750 and my Ex Fico 8 score was recently always the lowest about 15 points lower than the other two scores on Fico 8 but still higher than the other 2 for mortgage score.
The new Chase Freedom Unlimited did make my AAoA go down 1 month to 2Y9M????
Every other data point is below. I thought this info might be helpful to others as I have a lot of data in my signature. A 760 middle mortgage score is needed for the best mortgage rate with other data points. I am looking to build in early spring about a 900k property so it seems I need to garden a bit. I need to do a Mortgage pull in late December or early January for the builder. Garden, Garne,Garden!
Takw care all!
You reset your AoYA to 0 months.
What was it before?