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Must be my lucky time! 37 pts on equifax, 34 on transunion, down one on experian :-(
The addition of the six cards I got this yr have really helped!
and 22 for walmart fico!
You added 6 inquiries in 1 year and that helped your scores?
@Steelersboy wrote:Must be my lucky time! 37 pts on equifax, 34 on transunion, down one on experian :-(
The addition of the six cards I got this yr have really helped!
Congarts
@klondike wrote:You added 6 inquiries in 1 year and that helped your scores?
lexy hit the nail on the head
Help me understand how adding 6 inquiries in 1 year, regardless of util shows responsible credit management.
@klondike wrote:Help me understand how adding 6 inquiries in 1 year, regardless of util shows responsible credit management.
help me understand how it doesnt
I have no collections, pay all bills on time, and never max out my cards. I didnt have much for revolving credit. again, show me how it doesnt
@klondike wrote:Help me understand how adding 6 inquiries in 1 year, regardless of util shows responsible credit management.
I add 5-7 a year for different purposes
0%
Gas incentives (current 2% when my Discover isn't getting 5%)
Food incentives (current 2% Looking at two now that gives 3% or 6%)
points structures cash back and travel miles
Signup bonuses (current 41,000 + pts)
There's 5 different reasons and I pay no interest on any cards
As of August CC's have paid me 300.00+ in cash back and 4 months left in the year
I have cards that I will redeem points for gift cards come December for Christmas gifts
So if you really take a good look at it they're paying me to use their cards and next year CCC may have other cards that suit me better...
(responsible credit management)