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Also during outreach, some stakeholders suggested that the Bureau should adopt underwriting rules of thumb—for example, a maximum payment-to-income ratio—to either presumptively or conclusively demonstrate compliance with the rule.
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Seeing a 10-30 point drop may well be reasonable, but the impact is lessened over 6 months and the positive reporting on the new loan should offset.
When changes in credit card lending practices occurred, they began gradually.
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They do this to make the dispute process even more difficult, and as someone said above, the lower our credit scores are the more money comes out of the deal.
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At one point there was a page that said something about a $1400 initial payment and he told me to nevermind it.
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