hmm, Something seems off, here's our credit activity:
Aug 2012 refinanced our residence
Dec 2012 purchased a rental
April 2013 purchased another rental
April 2013 financed our car
June 2014 purchased yet another rental
Feb 2016 DH was pursuing a truck and the rotten dealer ran our credit without his consent
March 2016 financed our truck not the same as in Feb.
then most recently...
July 2016 we were pursuing a refi on a rental and pulled credit yet again - backed out due to increase in rates
all of this activity and we stayed within 20 points at all three agencies, all over 800 for both DH and I.
No noticeable drop in our credit score during all of this time. We have always been rated over 800. Not sure if being that high made the difference?
We carry no cc debt, have had our cc's for many years, have no late payments and are using a very low % of our available credit.