New "Old" to cc usage

[Anonymous]

Hi everyone! I'm a newbie here and I have really learned alot over lurking and reading the forums..so thank you.  I recently realized no matter how good i am with paying my bills that my utilization was killing my scores and that i had two baddies of 30d late from 1yr ago.  On reading, I have done the following in the past couple of months One: paid my UTI down from 98% to 50% (that includes some CLI) and had one baddie removed with NY&Co (30d only 1 in 5 yrs) with success using the "backdoor #" you all have provided, again thank you. I am waiting for Dillard's on the only other baddie i have, they told me the would investigate and send me a letter within 30 days, I have had that cc over 10yrs and that was the only baddie i have ever had with them. I have also had success with chase removing 5 inq that were not mine. I guess my questions are Have I hurt my scoring because I disputed on all three balances and CL? I had 7 lines with the wrong CL and balances (they had CL lower then it really was and they also had balances high then what I owed. Any help on this would be great.

[Anonymous]

Getting things fixed is always a good thing! The CRA's don't know why something gets changed if the lender is reversing it. When my Disco got lost in the mail and they issued a new number, my Experian report continued to show the old account. I had Discover reverse it and my score actually went up.

Always get things fixed. What are your scores now?

[Anonymous]

I started with a 638 across the board, then EX went to 666 on the 1st, TU 667 i'm not sure about Equifax . The only thing that had shown up yet was a few CCs reporting less then 50% usage. The payments and removals hadn't shown up yet as of today. I know I need to be content and give them time to be reported, but it's hard. I did the disputes on CL/bal last week. Last month AMEX lowered my CL to 4000K from 6,600K when my bal owed dropped to 4k, but they offered me a "immediate" reinstatement if I either paid 2k by the end of June or sent them my financial. While i was on the phone with them I paid the 2k, the DCL wasn't reported but neither was the lower bal. That was the "straw" that had me check CL and balances and disputing if they were wrong

[Anonymous]

as for CCs, I have 3 reporting at 80%, 14 reporting 49%, 7 reporting 30% and 5 at 0%, 30 days ago I was at 98% usage with all of them (with exception of the 5 at 0%) and I had 11 HP in the last 2yrs. I refinanced 7 mos ago and they pulled 4, new truck 14 mos ago and 3 HP and then the 5 HP from chase (got letter from them removing from CRAs last week) and a couple (2) HP from my CLI requests