takeshi wrote:You'd really have to pull your TU report to verify. We can't tell just based on the symptoms alone. 5-7% utilization should be fine as long as that's reported utilization (based on what's in your reports). Your AAoA would have dropped from the new account. Have you had old accounts drop off?
Are you sure Discover provided a TU score on approval? They used EQ for me.
Yup, I just looked back in my files and the approval letter said I had a 746 FICO with the source being TU. I am going to have to pull the report when I get home.
But this has me thinking..how long does opening a new card effect FICO scores for anyway?
EDIT: Just tried pulling my TU, already pulled in this year it seems. Tried EQ and for some reason I have to mail in to get it, so I got impatient (also worried someone stole my identity lol) and tried EX. Pulled the EX report successfully and it looks fine. 2 accounts (9mo and 2mo, respectively), 3 hard inquires, a good amount of soft inquires (insurance and whatnot)...everything looks solid.
I'm wondering if opening the new card caused my AAoA to drop from what was 7mo with the sole CapOne, to slightly less due to the new card. Any ideas? Surely I was expecting a small decrease in my FICO, but 30+ points??