Bankruptcy

[beamMEup]

Ilecs:  I like your link better!  !  And why don't my smiley faces work????

[llecs]

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utah2009 wrote:
And why don't my smiley faces work????

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They should work....now there have been times when my Emotions pop-up window is super slow and found that I can't select one if that window hasn't fully loaded. Glitch maybe?

[virgoman]

I have an average age of 20 something years I think  have to look at again.. no IIB of any kind.. all those dissapeared after 7 years.. I have a clean record and pay my bills ontime and have no lates. The only thing is most usage is on 4 cards.. and 2 of  the 4 them are at 80% usage and above but overall it's 22%

thank you to all of you folks out there for your replies. I consider myself a pretty knowledgeable about CR as I have worked very hard to get it where it is.

[beamMEup]

Virgoman - that may explain it.  We've seen significant point drops when one card goes up - even if overall usage is low. 

Congratulations on all your good work! 

I've got to once again recommend the myfico score simulator which comes with your myfico score.  It's only $10-15 and, even when you've already learned a lot, it's amazing to see the significant score changes when cc balances are brought down.  It will put a smile on your face and provides concrete goals and - tadabing - you can visualize the score rewards.  Keeps you happy while you're working your way through it!

[virgoman]

Thank you for your Help!!