PattyHearse1

on my credit report my credit card utilization show 100% but i have a D in that field. But an a in ontime Payments.. my Score is a 645 . :/

My Scores are all High 500's last month they were low 400's I actually did some justice. I sued nissan for two late payments on my credit and they took it within the one week of the complaint. So that's made my scores go up. I co sign for my aunt she pays her note on time and so do I. I had a car for 14 months and I pays it on time. And it seems like my score doesn't go any where. My aunt has made a year of payments. But then this credit card company gave me a credit limit of 300 they gave me 178band expected for me to pay back 300 and they didn't give me my full credit limit. I owed them 647 dollars and now I owe 562.00 I don't know how the hell that happened. But I know that I miss my 650,690,& 705 credit scores :'( those scores were so 2008 :'( ='( Thank god my vehicles finance company has program to where as long as you pay 18 payments on time you can get another car without using your credit no matter what. A couple more months I can get my dream car. YIPEEE