Open a 3rd card? Screwed up excellent credit with late payment

I have two cc accounts and one has a two-month old 30-day late flag with the CRAs.
Prior to this I had a 750 TU FICO and now it's 725. boom! I'll never make this mistake again.
Question is: how would opening a new credit card affect my score? In the near term and medium term?
I have paid my cards down and just have a modest 8% balance on one now.
It seems crazy, but I need a 740 for the mortgage product I want (15% down), so these 15-20 points are a big deal!
I know another card would help long-term, but what about in the next 3-6 months?

drewg350 wrote:
25 point decline for a two month old 30 day isn't bad in my opinion. I figured it would be more like a 50 point decline.Probably is, but other events, presumably, have occurred since last trigger canceling out some of the impact. MyFICO isn't all tha suitable for closely analyzing causes of score changes, since triggers miss a lot of activity that affect scores, such as collections falling off, collections updating, positive trade lines being removed, average age of accounts, moderate to small utilization changes, etc. To the OP, you're on the right track with getting utilization down; fast and simple. Despite only having 2 regular cards, do not open any more right now. More can help longterm, but will reduce average age of accounts, and, typically, add a hardpull inquiry. Mortgage lenders generally don't like to see much new credit being opened within 6 months or so of applying. GW letter route is worthwhile, but if no good, your scores will recover somewhat within a few months doing nothing more other than keeping utilization low and paying on time. Finally, mortgage lenders generally use a somewhat different FICO version, such as FICO 2, 4, or 5, which may be higher or lower than the widely used FICO 8 you're seeing. Also, lenders will sometimes use the middle score of the three bureaus. So if the other two aren't showing the Late, you may still qualify with favorable loan terms despite the hit you took with TU.

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Eric Tao
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using System;
using System.Collections.Generic;
using System.ComponentModel;
using System.Data;
using System.Drawing;
using System.Linq;
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Do you need help getting everything into a CSV, or can you take it from here???
Knowledge is the only thing that I can give you, and still retain, and we are both better off for it.

Open a 3rd card? Screwed up excellent credit with late payment

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