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@dodfire wrote:1. You could ask your father to request a CLI on the sams card and that will help with the UTL.
2. You said that you have two cards $1000 / $300 and then your fathers card of $500
That is $1800 and if he carries a balance on the card of $400 that puts YOU at 22% UTL not 75%.
For the best possible scoring it is suggested to be at 1-9%, again this is if you are going to apply for a CLI or a new line of credit.
Booom!! I was going to suggest the same thing...
@dodfire wrote:1. You could ask your father to request a CLI on the sams card and that will help with the UTL.
Boom! Problem solved!