Hey,
I'm pretty new here, but I checked out my FICO score and was suprised to see it had fallen to 684! I dinged it up apply for new credit cards for my business and getting a barclay rewards card for the utility points. And I ran up my utlilization quite a bit. I didn't realize my score would take such a hit.
At any rate, I payed off a couple cards completely and got my utilization down to 39% (it was at 84%) but it isn't showing in the report yet. I have no baddies, but my AAoA is only 5 years. Should I apply for another credit card to decrease my utilization rate or wait because it's bad to have hard inq's when apply for a mortgage? My report shows 4 already.
If I should get another card, which one?
Thanks!
