@Anonymous wrote:
Nice response by NRB and TMR.
Opening a number of new cards was a mistake given that you plan to buy a house soon. There is no changing that, however, so the best thing to do is get all cards reporting zero except one (AZEO) with the remaining card reporting a small positive balance (e.g. $20).
Once the new AZEO balances have appeared on all three reports (you can use some free tools to monitor that) then you should sign up for the myFICO Ultimate and take a look at your mortgage scores. These are different from your FICO 8 scores.
PS. Do be sure to make one purchase on each of the new cards -- although it's fine if the card still reports $0. When a new card remains unused for a while it sharply increases the chance that it will be closed due to inactivity.
Wow, I agree great responses NRB and TMR, and you also CGD. That was a real eye opener, I feel like I may still have some luck on that 6 month window. It may be a little smaller for me to around 5 months, but I have ceased applying for any new credit since november 1st. My truck note is listed at 8 months left. I am hoping to fall right into that 6 month window with all cards at 0, except 1, No recent credit seeking, and 1 installment loan stil intact
I really do appreciate all of that advice guys, it put a lot of things into perspective for me. I also have a paid sub with myfico, but I consider joining these forums to have been the best financial investment i've made. Thank you all again
