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I gained 33 points on my score just from paying down my walmart card to $0 from $72. My CL is $150. That was reporting at 48% utilization....makes a big difference! Glad I wasn't at 48% utilization on a CL something like $25,000. I think $72 is manageable. :-))
By the way, my walmart account was the only account (of 6 credit cards) reporting a balance. I was experimenting with my score.
That's great!! Im hoping I can get the same results. I just paid 2 cards down to $0 (1 from $76 & the othe from $5) as well. I am 26 points shy of 640 to get my pre approval letter.
congrats
wow, good job!
Congrats on the increase! I'm waiting for my lowes card to update from $2498/6000 to 0/16000. Hope to have success, but quite that level. Congrats!
Was surprised how much decreasing utilization can help... After graduating from grad school, paid down 10k of 11k CL on 4 different cards over 6 months, had had a lot of those cards above 90% utilization for years... In that 6 months alone, my score rose 80 points, 100 after all was reported
Great job!
Congrats!
@Hcontreras wrote:I gained 33 points on my score just from paying down my walmart card to $0 from $72. My CL is $150. That was reporting at 48% utilization....makes a big difference! Glad I wasn't at 48% utilization on a CL something like $25,000. I think $72 is manageable. :-))
By the way, my walmart account was the only account (of 6 credit cards) reporting a balance. I was experimenting with my score.
Congrats!! I gained 54 points by paying down my credit cards... Utilization was 70%.. I would never utilize my cc like that again
Hey, i had the exact OPPOSITE happen to me!!! ..received a NY & Co retail card in Jan cl $250
i made a purchase of $69.42 in Feb
credit score dropped 33pts! within 2-3 weeks , ive been ticked-off! but i paid the full balance of $70---- 10 days BEFORE the due date..
HOPEFULLY my score will come back up 30pts since i have $0 balance now..
do you think i regain some pts back on my score?