Scott On Money

You can make many changes and not have your credit score respond significantly. At some point you cross a magic line and your credit goes down hill big time.

I had applied for a USAA 0% card and the inquiry for that card was one of the precipitating factors in the recent drop in my credit score. Now the account has been reported open to the credit bureaus. Ding, ding, ding. I just got the alert that my credit went down about 15 points. This is before my balance transfer even hit.

It will be interesting to see how this further impacts my credit score.

I expected all this activity to hit my credit score. I did not expect it to go unchanged for such a long time and then take dramatic drops with every subsequent action.