I have worked my behind off to get my credit higher and higher. I have about a 750 Depends on Credit Agency. I pay all my cards down to ZERO each month except one. Well this month they all hit zero on my report because I alternate cards and the one with a balance has not reported yet. It dropped by score 11 points cause I paid 3500 in credit cards down to ZERO. IS that bull of what. The balance card should report in a day or two but it will now only bring me back up to where I was. Don't give me the bracket crap I am one bracket off from the top in the Nation so I don't buy that. Everytime I have a complaint with Agencies I get that bracket crap. I tell you it's a scam to keep you doing this and buying scores. I am about to stop pay my bills like I always do keep my utilization under 10% and forget this FICO CHASING. This is stupid for a grown man to do. Waste of money I could be using elsewhere. Its the same ole crap every month some reason it dropped oh oh and by magic when they all report its right back where it was like they did me a favor. I have like 724, 750 and 760 with 3 credit agencies true FICO but that 800 just can't be reached for some reason. All I want is equifax the 724 to hit 760. They are the ones that seem to be the worse at this. I am goind to enjoy life and my credit and stop this non sense of FICO CHASING it really makes no sense. YES pay your bills keep your debt down but to Chase this. NO.
Starting FICO Score 2007: >> >> 533 -- God those were some Dark Days !! 
Its really crazy I have 5 cards total with 15000 in limit and pay all down this month work the entire month to make sure if I charge anything I come home and pay it just to set it up to show one card with 6%, Well the day before the drop my score went up one point then the next day down 11 as the zero hit but last months zero on other card was still showing so all cards have a zero balance. Today or tomorrow the balance card with hit with 150.00 out of 2000. What will I get ? the 11 points back hopefully. I worked on this all month like every month just to see this crap and it just so aint worth it. Not I am not going to forget it but putting this sort of effort in it anymore NOWAY. I am going to keep using them and keep utlization at less than 10 always and forget chasing that score. Its really a scam from the agencies they are like begging you to buy some type of product from them these days and trying to scare you into idenity fraud products.
@paramed3 wrote:I have worked my behind off to get my credit higher and higher. I have about a 750 Depends on Credit Agency. I pay all my cards down to ZERO each month except one. Well this month they all hit zero on my report because I alternate cards and the one with a balance has not reported yet. It dropped by score 11 points cause I paid 3500 in credit cards down to ZERO. IS that bull of what. The balance card should report in a day or two but it will now only bring me back up to where I was. Don't give me the bracket crap I am one bracket off from the top in the Nation so I don't buy that. Everytime I have a complaint with Agencies I get that bracket crap. I tell you it's a scam to keep you doing this and buying scores. I am about to stop pay my bills like I always do keep my utilization under 10% and forget this FICO CHASING. This is stupid for a grown man to do. Waste of money I could be using elsewhere. Its the same ole crap every month some reason it dropped oh oh and by magic when they all report its right back where it was like they did me a favor. I have like 724, 750 and 760 with 3 credit agencies true FICO but that 800 just can't be reached for some reason. All I want is equifax the 724 to hit 760. They are the ones that seem to be the worse at this. I am goind to enjoy life and my credit and stop this non sense of FICO CHASING it really makes no sense. YES pay your bills keep your debt down but to Chase this. NO.
Take a deep breath. It's 11 points. Nobody is even going to notice. Life goes on.
