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Found 6 results

  1. 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?
  2. Just trying to get opinions regarding New Accounts. After recently completing an App Spree for DW, she now has 14 new accounts (Yes I know, I am watching for AA!). We always PIF with exceptions of 0% Special Financing Options on large Purchases. However, since these are all new accounts, that have yet to close on a statement period, my question is should we PIF even though there are no min payments due or should I allow those balances to report, then PIF before close of next billing cycle? Any and all experiences and opinions are appreciated. Thanks
  3. Hi CB, First, let me apologize if this has already been through the shredder here on CB! I've been taking a break from reading the boards. But, recently I have been noticing a trend with the recent changes that are going on over at GECRB or shall I say - Synchrony Bank! Since they changed their name, (THREE) of my accounts have either been upgraded to a credit card or product changed without my consent or knowledge. 1st. GAP Store Card = was converted to GAP Visa - got it in the mail a month ago. Only explanation was that my account is being upgraded to better serve me. 2nd. JC Penny's Store Card = Had this one for years with no problem zero balance. = Then out of the blue got a new JCP Mastercard in the mail this past Friday. Again, no explanation. 3rd. Sam's Club Discover Card = Was product changed to a Sam's Mastercard. Now, granted this one I knew was coming and was no surprise, but it does seem odd these are own backed by Synchrony Bank. Now, to top things off, all of my reports are now showing (3) brand new open accounts being reported. My FICO has now Tanked by -40 points!! What can I do?? Anyone else having similar issue? Thanks!
  4. App spree last month, how long you guys think before my new accounts aren't considered recent?
  5. I just opened and was approved for Walmart @ 600.00 and Amazon.com @900.00, but am thinking of closing them. They are less than a month old and have not been used. I took a hit on my scores by having them show up as new accounts. Especially my EQ. I have a new card with DCU and want do a CLI within 6 months. Can I close these two lines and will it raise my scores and my AAA? Thanks in advance.
  6. So a while back, I dove into a Comenity thread, and came out with several new shiny plastic cards. Several months later, I regret it severely. My credit score took a hyoooooge DIVE. I know closing accounts won't help, since I already took the hit, but I guess I'm curious - when will my score recover, and, will this be worth it in the end? I'm in rebuilding mode, and was entering gardening mode prior to that thread.. totally destroyed myself on that one. I've got a newer, reliable vehicle, and a fun toy with no intent of purchasing a home in the near future, so I guess I won't be "needing" credit any time soon, but I would like to see my current accounts grow.

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