ziggytx wrote:
that kinda stinks, i wish i woulda had a warning, so i can pif and show 0% UTIL, well, i have an orchard card, and ive read about howthey report so i can start with them at low util.. then keep this one at 0% before next statement and then all those credit cards who denied me will start sending me pre-approved letters and i can laugh as i tear them up muwahaha ha ha
Umm you are getting way too ahead of yourself.
You are obviously rebuilding.
You should not be putting that much on your new, secured, rebuilder cards anyway.
Your utilization only matters when you are about to app somehwere else since your fico is compiled from a snapshot of that second.
You are rebuilding. You are not getting a 15K limit tomorrow.
Pay your utilization down.
Don't go over a reasonable percentage anymore and let the big thing that will effect your FiCO happen...and that thing is time.
Signature line begins:
Credit is not a right, but a business transaction, one that takes into account risk, and charges accordingly based on that risk.
Your credit score is an aspect of your credit profile. Important? yes but just an aspect. Contributing/supplemental information determines the finer point of the deal. Ask any question, respect me not to get mad if the answer is not the affirmation you are looking for,
