jacklondon2255

3 Contributions 2 People Helped

Member Since: February 2012

Most Helpful Contribution

Credit card utilization and your credit score

Jan 31, 2014
Helpful to 1 out of 1 people

Do you think they want us to pay late/ carry a balance in order for them to make money? There is not point in lendig someone that is "always going to pay" right?

I too am a C paticipant that went from a 770's to a 680's by leaving a balance on my ccount for a week.... it happned to be the week the cards reported.... I hope it bounces back, but we will see...

That score is so important to me and I am trying so hard to not obsesss lol.

Has anyone else been in similar situations and had a good outcome? My next step is purchasing a home and after all these years of trying to get it right, this last score was devestating!

Activity (3 Total Contributions)

Credit card utilization and your credit score

Jan 31, 2014
Helpful to 1 out of 1 people

Do you think they want us to pay late/ carry a balance in order for them to make money? There is not point in lendig someone that is "always going to pay" right?

I too am a C paticipant that went from a 770's to a 680's by leaving a balance on my ccount for a week.... it happned to be the week the cards reported.... I hope it bounces back, but we will see...

That score is so important to me and I am trying so hard to not obsesss lol.

Has anyone else been in similar situations and had a good outcome? My next step is purchasing a home and after all these years of trying to get it right, this last score was devestating!

Credit card utilization and your credit score

Jan 31, 2014
Helpful to 1 out of 2 people

@Shane BBY has trasnfered hands twice in the past year. The latest card (depending on what you credit limit is, is going to take a while to catch up with your credit report) I would recommend treating yourself to something small at BBY and charging it to the card. You can then call the # on the back of the card or online and ask them to upadte with the BIG 3 credit reports and you should soon be golden.... Thats a trade line and it could help. (I by no means know your situation, so please do not do exactly as I said if you feel an inkling that this could be detremental to your score... All in all its a trade line so it could be good or bad depending...

Credit card utilization and your credit score

Jan 31, 2014

Good for you! TY for sharing! Its very ecouraging and I commend your patience!