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re: Any negative for having too many CCs open?
Posted on 7/24/14 at 4:33 pm to tes fou
Posted on 7/24/14 at 4:33 pm to tes fou
quote:
I would hate to see you lose 10 points and pay thousands more in interest on your house
If 10 points on his score does that he shouldn't be applying for credit cards in the first place. Anyone with a solid credit score isn't going to be phased at all by a temporary 10 point drop.
1
Posted on 7/24/14 at 5:43 pm to VABuckeye
quote:
If 10 points on his score does that he shouldn't be applying for credit cards in the first place. Anyone with a solid credit score isn't going to be phased at all by a temporary 10 point drop.
It really depends if you are close to a "breakpoint" as I would call it for the lender you are working with. For any type of loan from any lender there is always a hard number where a rate changes.
In the most common range of scores though, mid 600's through mid 700's there could be 5 or more number breaks. A drop from 725 to 715 could be a big deal where a drop from 780 to 770 wouldn't matter much at all.
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