All of my zero balances (with one reporting a small balance) reported and pushed TU over 800! I still can't believe it.
My concern now is which card to keep a small balance. I'm using a store card for the small balance (because I'm still in my zero % period) but it's also a fairly recent account I opened in August. My oldest CC is one through my old employer's credit union but it only reports to EX (though TU "sees" it for some reason). I have a Cap1 card that's a little over two years old. Should I let a small balance report on it instead of the store card? I want to make sure all three bureaus see the small balance but zeros everywhere else.
Congrats on the score.
The safest advice is to let a "major" card be the one that's reporting. In my case, my Experian score took a small ding when only a retail card reported.
@Threeof5 wrote:
All of my zero balances (with one reporting a small balance) reported and pushed TU over 800! I still can't believe it.
My concern now is which card to keep a small balance. I'm using a store card for the small balance (because I'm still in my zero % period) but it's also a fairly recent account I opened in August. My oldest CC is one through my old employer's credit union but it only reports to EX (though TU "sees" it for some reason). I have a Cap1 card that's a little over two years old. Should I let a small balance report on it instead of the store card? I want to make sure all three bureaus see the small balance but zeros everywhere else.
Congratulations on the 800 club...sorry to tell you though...there will be no parade I'm afraid. Mine have been over 800 for years, and never even recieved any certificate of merit or anything. You need to join the high acievers group now...there is room for you.
Congrats OP!
While Sarge is correct in saying there will be no parade, you can throw yourself a party!
Congrats again, OP, on a fine accomplishment!
