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My credit score used to be 819 before buying a house and now its 766, is it normal?
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netdiversf
2 years ago
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How long does it usually take after a new mortgage or refi for the credit score to bounce back?
BKAPHX 2 years ago
Usually the inquiries will go away 90-180 days after. The rest depends on your credit history.
CK Moderator
I am curious, I recently got a credit line increase of $250 on my only credit card and saw my credit score drop from 640 to 605. Did this happen for the same reason as above?
reginalee 2 years ago
Mostly likely not because a credit limit increase is a positive factor. Check your credit report card for changes.
CK Moderator
With a new mortgage, the additional debt and the credit new credit inquiries as part of your loan process will lower your credit score. Over time, your credit score will increase provided you continue to maintain an excellent on time payment history.
When it comes to credit, you should think of good credit as a currency. Whenever you use your credit for a lower rate or the convenience of mortgage or credit card, you are using some of the good credit you built. Your credit will increase as you make payments on the new loans you have taken.
realsugar 1 year ago