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StuckOnCredit

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  1. I noticed a drop of 28 in DH's WM fico today. On 1/28 it was 755 and now 727. I bought a report from Myfico and it showed the same thing. Nothing happened except Cap 1 went from $22 to 0. 15% util. Nothing else updated yet. The only difference I can find is the AAOA changed from 5 months in Jan to 6 months now.
  2. I got that reason too. The rep told me that they only allow 2 approvals within 90 days.
  3. Hi everyone, I'm just looking for a little clarification. Mendelssohn, in your example it showed the second card opened in January, a month later than the first, gaining the entire MSY, thereby becoming the oldest Amex card. What happens to the one opened in December, the first one? Is it just a 2 months old card in January and continues to age normally? Or is it possible to get that entire year the 2nd card gained added to the 1st one?
  4. How old does an account have to be before Cap 1 would consider changing it?
  5. Ok, thanks Shifter. 6 months sounds much better than the year I had in mind.
  6. Thank you for the replies everyone. I was just trying to figure out how long I should wait before trying with Citi; guess I won't be applying for a long time since my last spree was last month.
  7. Does anyone know how sensitive some creditors are about inquiries? New accounts? For instance, does Citi care about inqs or new accounts that are 6 months old? Cap 1? Amex? When do certain creditors stop caring, 6 months? 12 months, or do some of them hold it against us for the full 2 years? I have gotten Cap 1 Ventures with a 15 inqs on Ex, 5 on Eq and 3 on TU and a lot of new accounts when they pulled the reports. Does that mean they don't care about inqs on 1 of the 3, or are they doing some kind of averaging since they pulled all 3?
  8. I've got both. Check out http://creditboards.com/forums/index.php?showtopic=535382&hl=venture&page=2

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