Almost everything's zero now! 
Aside from one of my husband's that'll report 8% util and one of mine that'll show 2% util. Really needing the extra boost, so hoping to see about 30pts from this..but seeing "New balance - $0" is GREAT!!!
Cannot wait to formally kill capital one, credit one, merrick and fingerhut. As soon as we close on our home, these are all meeting my little friend, the paper shredder!
Anyone think capital one may make HSBC suck as much as they do, or will they make HSBC better?
Starting Score: 492 02/12
In full gardening/ debt annihilation mode! (4/15/13)
). $0 balance is a great feeling! Congrats and enjoy being CC debt-free! 
Congrats!
Starting Score: 504
Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
>> About myFICO
