CarefulBuilder14 wrote:I had my FICOs (TU and EX, only have CK for EQ) above 750 for the first time in a year and a half.
Then Hyatt reported and they fell about 10 points.
No apps planned, apart from having a very general idea that I might get an airline cobranded card sometime in early-to-mid 2016.
I was about to say congrats, then I read the next sentence. Lol
It's true though: to really build a great score and profile, one simply cannot app every two weeks or every month (not saying you do), "thick file" or not. It will ding you sooner or later. The people opening 5 accounts every week must have awful AAOAs; even a backdated old Amex can only do so much!
I think sooner or later everyone has to garden to get their profile to a state of supporting meaningful approvals later. It's just how it goes. I also suffered a score dip from a few new accounts in August, and it's slowly climbing back but slowly. If I was kicking it while it was down every month with another new account, it would never recover.