@racer-x wrote:
NRB- Excellent excellent info/advice.
I am tempted to somewhat ignore what US Bank did and just put the $8k that I have toward the other CC debt as I originally planned.
I may throw a little at US Bank just to get the utilization down to 80%.
I may also call them tomorrow and plead my case....offer them some $ for a partial restoration of my CL...and make sure they know I paid down $14k that they may not have seen.
As far as BT'ing with BOA, BOA actually called me in November I believe and asked me about my circumstances. They saw the uptick in my credit usage. I explained my dauughters lst year in college, unexpected expenses, etc...She was very nice and said they would leave my accounts as they are. I have a $3000 balance on a $10.1K card and a $0 balance on a $4k card. They gained my respect just by calling me that day. I almost feel as if I could talk to them and reassure them that everything is fine and suggest that they SP to see the substantial decreases in my debt if they were concerned. On the other hand, I won't bother them at all. lol.
As you said, it is what it is, I'll do what I can to minimize the damage, but not worry too much about it.
My situation looks petty compared to what you've gone through. Hats off to you for sure....wow.
Now that's the way to put in perspective. And I must say, as a newbie to higher scores, this has been a learning experience for me. That was great advice to anyone, and I truly hope you take it. Sorry for the rigors you've been through, goes to show that even when income 4 times another, **bleep** happens, and anyone can find themselves scramblng to deal with it.
Kudos to calm heads prevail, though I know it won't be easy. But you will have a thicker profile, and tons of experience, going further. And, your future will be looking brighter soon.
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