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Found 2 results

  1. I've been rebuilding credit very slowly the last two years. I recently acquired a $4500 Chase Freedon card and a $1500 Barclays crd. Both inquiries show on Experian and Equifax, but not on TransUnion because I had it temporarily frozen. The Barlays acct is showing on all three but Chase hasn't hit yet (got card two weeks ago). I would like to go for one more card then cease for 6 months. I need a card that will access TransUnion or Experiian due to less inquiries and higher scores (around 725 each). Equifax has been hit recently due to inquiries, hurting my scores Myfico is 720 My two-part question: 1) Should I freeze my Equifax file and apply for another card like Citi, steering them to access TU or EXP? 2) Should I do it now before My Chase card hits, or after it hits since it's a higher limit that will appear? Good income (100k) if that's relevant
  2. So I just got an alert that my MyFico dropped from 580 to 529 just now with reason being: "you've made heavy use of your available credit". I do not understand this… I just opened a new secured card that has a $700 limit and a $556 balance report. Obviously that utilization sucks but I have another $700 card that only has $8 balance reported. That would mean I have apprx a 40% utilization which isn't awful. Before this new card reported I just had just the one $700 card with a $450 balance and my Fico was 580. what gives? I know I should obviously get them BOTH to around 10 bucks but I don't understand how it can say I have "heavy use of my credit" and make my score drop that bad when last month was the same… Is it because of my AAOA decreasing my score?

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