Wow..........nice work, Mc. 49% to 4.5% should be good for 20 -28 points. Let us know what happens.
on my CreditOne card from practically maxed out to totally paid off a week ago. They report to the bureaus on the 12th, so my question is will there be a lag time between when they report the new balance to when that will be reflected in my scores? I am looking to app for a new card but want to make sure my new balance (and new score) will be what they are seeing when i apply. thanks