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@jchu2013 wrote:
As planned, i was about to start my app spree. But, I dunno why, my boa secured card report twice in august, on 10th and then 27th..before that they report once a month, which is 10th every month. Why twice in august? Sounds like you had a mid cycle update for some reason
It delays my app spree since it shows quite a high balance on the august 27th report. I usually pif few days before 10th.
Since I going to pay it again, I read that 1%-9% will get the best result in credit report. But, is it 1%-9% of total credit or single card? Total credit ($8000)
I have 2 secured card. 4000 on boa secured and 4000 on us bank secured. The us bank secured shows 0 balance on my current report and boa secured shows about 3400, updated on August 27th.
So, how much should I pay it down to get the maximum result of my report? .>2700 +
I need to pay it by tomorrow afternoon. Thanks.
@jchu2013 wrote:
Thanks.
I will leave 700 balance for them to report. The mid cycle is so annoying.
Mid cycle surely is annoying
You can always pay more if you like the more the better but for max Fico scoring 1-9% don't forget to let CR's update too before any apps ...Good luck
10% of 8000 total limits is 800
5% 400
OP has (2) 4k cards
@myjourney wrote:10% of 8000 total limits is 800
5% 400
OP has (2) 4k cards
Not sure if that is in response to my post. But anything over 400 will put him over 10% of one card. Noticed the magic spot for max fico seems to be somewhere between 1-10% of both card and total credit limits.
@Crashem wrote:
@myjourney wrote:10% of 8000 total limits is 800
5% 400
OP has (2) 4k cards
Not sure if that is in response to my post. But anything over 400 will put him over 10% of one card. Noticed the magic spot for max fico seems to be somewhere between 1-10% of both card and total credit limits.
His total credit limits are 8K
Thus as long as OP is between 1-9% of total limts
The golden rule of reporting is to have 1 card report 1-9%
not report 1-9% of the one cards limits but total credit limts