Finally made the 800 club!! To app spree or not to app spree...

So I've been waiting for my NFCU payoff to post after my credit card debt was consolidated onto a low interest personal loan. I've been saving up the CreditCheckTotal $1 trial until I noticed the balance was paid so I didn't have to wait for myFico to update (yes, I'm that impatient, you have no idea). Well, 3 days after the statement posted, EQ and EX were finally updated, and I went ahead with the CCT trial and got this: This is a first! I was in the 400s in 2011/2012 when I started on the rebuilding section of the board, so this has been a journey for me. Never would I have imagined I'd been in the 800s, especially with my horrible credit past. Now the dillema, I've been waiting for this so I could app for a few cards I've been wanting, mainly the Slate for the 0% BT offer, and the CSP to pair with my Freedom for rewards and the Amex BCE. Also considering one of the Chase hotel cards.. but now that I have an 800+ score, I'm not sure I want to apply anymore and ruin this great score! Don't know what to do.. decisions, decisions! I've been itching to go on an app spree....

Thanks everyone! Redeyz wrote:
Wonderful achievement! This is somewhat of a lifechanging moment since you've crossed a threshold you probably thought impossible. I have a couple questions though.- How much CC debt did you consolidate through the low interest personal loan?- And what score decrease did you see from getting an installment loan versus the point increase from paying off the CC debt? Was it neutral or more positive paying off the CC balances? I'd say...hold off and let that beautiful score of 805 stick around for a month, and in the meantime evaluate which card or cards best fit your longterm objectives and then apply in a month. Congrats again.The CC consolidation was about 20k @ 6.41% through SoFi and hasn't posted to my credit report. So I'm sure I'll take a small hit when that happens. According to the simulators, which have been mostly accurate, I'll drop 5 points. I'm still waiting for TU to post all of this months credit card payoffs, but they seem to be taking forever so I'm not sure what my score with them will be, but they've been consistent with Experian, so I hope they also put me > 800. The simulators also show that a new CC will drop me to 770.. I wanted to BT a majority of my loan over to the Slate assuming I could get a high SL with them, but something in me just wants to deal with the interest I'm paying on the loan (~$450ish by the time it's paid off) and keep the high score lol. I got in with my Mortgage at 3.375% when I hit the 700s in 2012, So aside from paying off this last consolidation loan, I have no other short term credit goals so technically I have room to play and wouldn't mind getting a few more cards to stiffen my AAOA for years down the road.

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