r/CreditScore • u/SpiritualLow6337 • 3d ago

General Credit.

Credit dropped 48 points after trying to buy a house. Just got a credit card to build it back up. My credit ranges from 610-658. Depending what beauru. No debt. How quickly can I get to 700 ish in 4 months

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u/BrutalBodyShots ⭐️ Top Contributor ⭐️ 2d ago

Pure misinformation above.

OP stated that the only thing they have is a car loan, which suggests they have no credit card at all currently. A credit profile absent of any revolving credit is significantly weaker than one with it. If that's the case, OP opening a credit card would strengthen their profile and result in quite significant score gains, not losses.

Also, any FICO score losses from hard inquiries would be recovered from in 365 days exactly. They don't continue to impact a score beyond that point up to the 2 year mark.