Only thing that has changed is my new citibank cards have shown up making my debt ratio from 77% to 33% Wow! I feel much better now with a 654 score!!! Even with 6 new accounts in the past two months, 1 charge off, and 1 collection, and (128 AR/Normal) inquiries!! Debt ratios make a HUGE difference in score im afraid to say.
citi hits your report and the end of the month, straight to "R1" status, none of that "too new to rate b/s".
Re: Inquiries Way to keep those inquiries at a minimum Sam LOL! Congrats on the increase. I had 6 disputes running with Equifax and it bumped my score up to 651. I got 4 deletions, 1 stays which actually is in the process of being removed by the creditor, and it fell to 591. What the hell is that? Then it jumped for no apparent reason to 631, which is where it is now pending removal of a repo. Anyway, congrats again.
mr fisher, the same 4 reasons i've always had: major derogs lenght of time cards open inquiries are far too many for a sane person. balances of debt rati blah blah too high.
