Get this.....I log on to credit expert (as per norm) and to my surprise see my score (albeit artificial) has shot UP to 720 (30 pt rise) after my HELOC reported as a kinda large revolving account. I was at 692 exp. when 2 inq and a new cc reported and dropped me to 680. Then another new account (small loc) reported and I hopped back to 690. Then today the heloc reports and jacks me up to 720. Whoo hoo! (BTW it wasn't that it fixed my ratios necessarily because it was already low with mostly $0 balances.) So then I could not WAIT to check my fico after I see that the 3 new accounts posted TODAY (of course after citibusiness checks on friday) and it was down from 693 to 685. Not much of a drop for 3 new accounts, but not an increase over 700 like I had hoped. Here almost everyone pulls EQ. (I have 8 hards - looks like they cleaned out about 50 softs....sigh) Anyways, I thought the score difference was interesting!
