"have you applied for credit? have you had any HPs in the intervening time? Any new accounts hit the CR?"
No to everything.
But we are getting ready to do some mortgage shopping so it's a bummer it went down this much.
Thanks so much for this help, Birdman!
Okay, so for a "major bank card", would it be better to use our 25k limit NFCU cards or a smaller Cap One 7k limit cards?
OR does it even matter which one?
I will definitely give this a go!
Oh good, I'm glad I asked that question then. So weird about the CU cards. Okay, I'll use the other ones then. (for my husband and I both)
Yes, married. Hmm, he doesn't have as many and his are about the same age as mine. But we are already auth users on several of each of our cc accounts.
And bummer, it does seem so! So right now, that just means I was rebucketed for TU? Or does that extend to all?? (the account only fell off of TU so far and no big drops on the other scores yet...praying it sticks on the others for awhile!)
Okay, I'm going to pay down all cards to 0 and use the Cap One Bank cards only for the time being. Is it best to pay them completely off each month? Or keep a very small balance on them since we will each only be using one of our cards? (both Cap One)