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@knoregs wrote:
I feel your pain... I'm currently running about 65% util and my scores have dropped 100+ points. I hope to get these paid down in the next few months so I'm sure scores will rebound nicely. Just worried my secured BOA card will stay secured instead of graduating in June.
~kn
@Anonymous always it's a variable with people but my util was @ 69% the month my BofA unsecured & my CL was doubled+
I'm going to use this high util period to experiment a little with my credit lines. around the end of June/July, I'm going to see who is will to give me CLI's.
Amazon store card will hit 4 months in mid June, going for a nice bump there.
Just for fun, may try for a Freedom and Forward (student...ugg) card in August.
And in the fall just before thankgiving in time for the holidays, I'll give it another go for CLI's that failed to materialize at the end of summer.
@NJTurnpike wrote:I just blew myself to 40% util over the past week. Sigh....
Luckily everything that will carry a balance is at 0% for the next 11-14 months. And not to worry, I have my massive "better than mint.com" spreadsheet to keep myself organized.
Life changes can be so expensive sometimes.
I am new to this and a little confused....if you go over 30% for a month or 2...but pay it back down to under 30% how does this affect your score? Does it have a long lasting effect is what I am trying to get at.
Cheryl
@Cheryla18 wrote:
@NJTurnpike wrote:I just blew myself to 40% util over the past week. Sigh....
Luckily everything that will carry a balance is at 0% for the next 11-14 months. And not to worry, I have my massive "better than mint.com" spreadsheet to keep myself organized.
Life changes can be so expensive sometimes.
I am new to this and a little confused....if you go over 30% for a month or 2...but pay it back down to under 30% how does this affect your score? Does it have a long lasting effect is what I am trying to get at.
Cheryl
Util only affects you in that cycle, manual reviews not withstanding of course.
@Cheryla18 wrote:
@NJTurnpike wrote:I just blew myself to 40% util over the past week. Sigh....
Luckily everything that will carry a balance is at 0% for the next 11-14 months. And not to worry, I have my massive "better than mint.com" spreadsheet to keep myself organized.
Life changes can be so expensive sometimes.
I am new to this and a little confused....if you go over 30% for a month or 2...but pay it back down to under 30% how does this affect your score? Does it have a long lasting effect is what I am trying to get at.
Cheryl
it does not have any long lasting effects.