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Boy did I screw up this month - too many cards will report a balance this month!

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tld409
Regular Contributor

Re: Boy did I screw up this month - too many cards will report a balance this month!

Update:

 CapOne and Discover did not report to CBs this months so scores in siggy remain the same which is good since I want to continue requests for clis (soft only of course). By the end of August, I will be back to having only 3 cards out of 11 reporting balances and while in the garden, I will continue to pay down utilization. Currently, I am around 15% overall (down from 34% 2 months ago). By the end of the year, I should be below 9% with only 1- 2 cards reporting. Smiley Happy

Starting Score 630 Score: Current FICO Scores: All above 725 (04/01/2015)
Sallie Mae World MC 9k; Chase Freedom 6.5k; CareCredit 13.2k; Amex BCP 21.8k;Amex PRG; BOA123 Visa Sig 20k; CapOne WMC 7.5K; CSP Visa Sig 2K; Citi Simp Visa 6.9k; CFCU Visa 17k; Discover IT 7K; JCP MC 8K; Macys Amex 7.5K/2k; PSECU Visa/PSL 20/20K; SamsClub MC 20k; Walmart 10k
Message 21 of 23
myjourney
Super Contributor

Re: Boy did I screw up this month - too many cards will report a balance this month!


@tld409 wrote:

Update:

 CapOne and Discover did not report to CBs this months so scores in siggy remain the same which is good since I want to continue requests for clis (soft only of course). By the end of August, I will be back to having only 3 cards out of 11 reporting balances and while in the garden, I will continue to pay down utilization. Currently, I am around 15% overall (down from 34% 2 months ago). By the end of the year, I should be below 9% with only 1- 2 cards reporting. Smiley Happy


I like your plan for the coming months BRAVO

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 22 of 23
tld409
Regular Contributor

Re: Boy did I screw up this month - too many cards will report a balance this month!


@myjourney wrote:

@tld409 wrote:

Update:

 CapOne and Discover did not report to CBs this months so scores in siggy remain the same which is good since I want to continue requests for clis (soft only of course). By the end of August, I will be back to having only 3 cards out of 11 reporting balances and while in the garden, I will continue to pay down utilization. Currently, I am around 15% overall (down from 34% 2 months ago). By the end of the year, I should be below 9% with only 1- 2 cards reporting. Smiley Happy


I like your plan for the coming months BRAVO


Thanks myjourney.  

Starting Score 630 Score: Current FICO Scores: All above 725 (04/01/2015)
Sallie Mae World MC 9k; Chase Freedom 6.5k; CareCredit 13.2k; Amex BCP 21.8k;Amex PRG; BOA123 Visa Sig 20k; CapOne WMC 7.5K; CSP Visa Sig 2K; Citi Simp Visa 6.9k; CFCU Visa 17k; Discover IT 7K; JCP MC 8K; Macys Amex 7.5K/2k; PSECU Visa/PSL 20/20K; SamsClub MC 20k; Walmart 10k
Message 23 of 23
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