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TFW EX FICO 2

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Remedios
Credit Mentor

Re: TFW EX FICO 2

They see me rollin', they hatin' 

 

I guess short history is correct in credit time. 

 

Accounts with balances, 2 out of 14

Seeking credit...is 4 accounts in 3 months  seeking credit? Yeah, I thought so 👸

 

Many new accounts...totally went overboard last year. 

 

Its ugly in my little corner, 2 currently sits at 732. A slight drop from 765 😐

 

 

Screenshot_20200517-080611_Experian.jpg

 

Message 11 of 14
Revelate
Moderator Emeritus

Re: TFW EX FICO 2

Laugh.

 

I still have an inquiry from the mortgage, once I have either another revolver report (2/18 = ding) or I go over what might be 2500 on the CSR again (or more likely 1K on the AOD) I will see if inquiries is on there now.  If it is then shuffling it around not worried but if it's not to your point it doesn't work.

 

It's been years since I have been down to this few scoreable inquiries on EX; I'm getting old.

 

@Remedios seeking credit is explicitly inquiry complaints at any rate.  What's interesting is for someone on THIS forum describing as going overboard on new accounts but it's in the #4 slot aka not much penalty.




        
Message 12 of 14
Remedios
Credit Mentor

Re: TFW EX FICO 2

I have two scorable inquiries on EX (4 total), 0 on EQ, carnage on TU. 

 

This are 5s complaints. To your point, no credit seeking because no inquires, it's at 733, so 1 point more than 2 

 

High credit usage was 3% at the time, I believe 4 out of 14 were reporting balances.  

 

I will be at accidental AZEO in a couple of weeks. 

 

Screenshot_20200517-085625_myFICO.jpg

 

Message 13 of 14
Anonymous
Not applicable

Re: TFW EX FICO 2


@Revelate wrote:

@Anonymous wrote:
Just up the balance and reverse the gain.

I am sure that will happen naturally but one of the goal things was hopefully pushing revolving utilization off the table and seeing what was next on the list.

 

Totally not serious problems just idiosyncrasies in this hobby is all and admittedly I should really be focused on other things but we all need our escapes Smiley Happy.

 

This one isn't actually detrimental at least.


Sounds like Inquiries will pop up, since you still have 1, right? But the associated ding would have to be pretty small relatively.

Message 14 of 14
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