5 People Helped
Member Since: October 2015
Wow, so many useful scenarios, thanks for sharing everyone!
Personally, I have improved my score by 120+ points in the last 10 months using credit karma. I realized they wanted less credit utilization so I applied for 4 cards with high credit limits. My limit is so high I do not think I could consciously spend more than 20%.
My technique is charge everything to my cards and do a bank transfer to pay most of it off. I keep my grace periods in mind. I pay everything off before it accrues interest but keep enough balance to show 2% utilization. So far it's working out for me, I currently have a 740 and 750. That is about as high as I have ever had it. I'm really glad I am able to keep an eye on it. If you’re starting out don't be discouraged, I had to log in every week and check for positive reinforcement and negative outcomes before I reached a "credit behavior schedule" that gave me results. Yes, I said schedule, this is a serious routine!
sc01x's response was:
mine say they come off in two years.
sc01x's reply was: