10-05-2012 09:46 PM
On the plus side, I had to call PSECU today as well... great CS!!!!!
10-05-2012 10:00 PM
40%...meh...wouldn't worry. I don't think the creditors jump the gun on a one month review anyhow. If they see extremely high utilization continuously for several months, maybe. Your situation...nahhh. Don't worry and sleep well my friend.
10-06-2012 06:46 AM
No worries LS. Everything is cool...
Remember, "worry is like interst paid on money not yet due"! I tell myself that daily...
10-06-2012 08:56 AM
Ok. Listen. Look at me. 40% is nothing. In the whole scheme of things you will be fine. It had to get over my own near manic utilization fears and realize that I am being responsible, paying off my CC debt "early & often" like never before. Creditors love to see you use their cards! The only time I worry about util is when I am going to app. Just let everything post and update. Its ALL GOOD!!!
I was recently approved for BCP, FNBO & Simplicity with util >50%. ( Iknow, I know - but that was down from 75% a few months prior.)
Although 40% is not ideal, it's really not that bad. Cheer up, LS!
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.