Next Steps Suggestions

I recently applied for 3 cards, AMEX PRG, Chase Freedom & Capital One Venture. I was approved for all 3 in a span of 1-2 days.  I would like opinions regarding what to do next to boost my FICO scores: Pre App FICO Scores:1. Experian: 712, 1 inq.2. Transunion:  726, 0 inq.3. Equifax:  731, 0 inq. All scores in Pre App above reflect 1 secured BOA, 1 30-day late 6yrs old Post App FICO Scores1. Experian: 676,  4 inq 2. Transunion:  726,  2 inq,3. Equifax:  731,  1 inq All scores in Post App above reflect 1 secured BOA, 1 30-day late 6yrs old.  They do not reflect new AMEX, Chase & Cap 1 as of yet.  I assume they will appear in the next few weeks.  As you can see, my Experian took the biggest hit.  I had 3 inq hit in addition to 2 very old positive installment loans fell off my credit reports during the same week of the inqs.  Interesting how Eq & Trans were not affected at all.  Doesn't really make sense and fair.  I could understand if the old credit information was no longer being used to calculate FICO scores.  Evidently, they still are considering the steep drop in my Experian.  Unless the 3 additional inqs caused it.  I really don't know. Questions:A.  Will my FICO scores increase when the AMEX, Chase & Cap 1 hit the CRA'S? B.  What are my next steps to increase my FICO score to high 700's to low 800's?  Keep util under 10% etc etc?  On time payments?  Any suggestions would be appreciated. Cheers,Mohawk 

Bigl wrote:
Thanks to reading and applying suggestions in this forum, I've been able to raise my Fico scores to 755ex, 741tu, and 750, eq. I have a secured Credit with PNC bank with a zero balance and $2,500.00 limit. I also have an old 7 % high rate mortgage with Wells Fargo I would like to refinance. I'v had two (2) hard credit inquiries in the past two years with the most recent one in 12/2014. My concern is my FICO scores taking a major hit if I 1) apply and convert the secured PNC Bank Card to a regular PNC Credit Card or I apply to refinance my high rate mortgage. Given my current FICO scores, what would be the recommended best next step that will harm my FICO scores the least?Welcome to the forums! That is your only credit card?  Let a small balance report on it and then go refinance that mortgage.  Finances >>>>>>>> FICO and there's absolutely no reason to be carrying a 7% mortgage in this market. FICO really doesn't matter in this case, get the house refinanced.   After that's sorted I'd recommend going and opening at least 2 more cards, and then converting the PNC card later if you wish; short term negative, long term better to have a thicker file. 

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