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Are you looking to improve your scores for a near future purchase...an auto, mortgage, etc.? Any maxed-out revolving account reporting IS FAR WORSE than a couple of CFLs with a clean payment history. There's no contest here!
dnm45227 wrote:
fused111 wrote:
So your overall util is 30% and you have a maxed-out LOC. All it takes is one TL to report maxed-out and your scores can drop 100 points, over-the-limit well then it gets even worse.
graeeeet. well i don't have the cash laying around to pay it off. how bad would a consumer finance loan look, i have one w/citifinancial now (pretty sure i could get another to pif the loc)? which would be worse, 2 cfl's or maxed out loc? luckily i haven't rcvd an alert from scorewatch saying the score has taken a dive.