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680 Eq fico score from myfico. I'm overall 11% util, but I have one card at 95% I paid a day too late last month. It should report as zero around the 15th of this month. But I recently refinanced my house, and I have a feeling that is going to show up on my credit report on Monday. I have no idea what that new account will do to my score. Should I roll the dice and hope the one credit card reports the zero balance before the mortgage reports? or should I apply now? The overall util is 11%. All my other accounts are 0.
@romey050500 wrote:680 Eq fico score from myfico. I'm overall 11% util, but I have one card at 95% I paid a day too late last month. It should report as zero around the 15th of this month. But I recently refinanced my house, and I have a feeling that is going to show up on my credit report on Monday. I have no idea what that new account will do to my score. Should I roll the dice and hope the one credit card reports the zero balance before the mortgage reports? or should I apply now? The overall util is 11%. All my other accounts are 0.
I would wait, 95% util. on one card is too high for an app.
Wait, having one card maxed out is almost guaranteed to be an instant denial.
I didn't want to risk a new balance being reported, and I applied over the weekend. I had great sucess on my app spree. I started another thread about it.
That's great.. My bank CC is always maxed out and I got approved for AMEX and Chase Freedom.