So I decided to check my Equifax score, and guess what, it was 646.
I'm a bit confused as to why it's this low, as I don't have any negatives on my CR at all.
I did take out a couple of student loans in January which I plan to repay next January with retroactive scholarship money. I'm guessing they're the main reason for the score drop?
I also reported relatively high balances on my cards last month, so I suppose that might also have something to do with it. This month, I plan on paying before the statements cut.
I really would like to app for the Citi Forward students, but I know I don't have a chance with that credit score. Will the damage done by the student loans be negated when I pay them off in January?