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Did I mess up?

Regular Contributor

Did I mess up?

When my lender pulled my credit for pre approval my mid score was Eq 645. At that time my utilization was 4%. I paid my credit card on time for September and paid it down to $20 but I didn't realize that the cycle end date was 3 days after the payment was due. Payment was due 9/10 and cycle ended 9/13. On 9/13 I paid a bunch of stuff for work so I used my card (because it is being reimbursed) and my utilization went up to 11%. That is what reported to the bureaus. Is this going to kill my score? What should I do?

Starting scores 2/27/12 TU 605 EX 576 EQ 560
Current scores lender pull 9/6/12 TU 663 EX 629 EQ 645
Closed on our first home 10/26/2012!
Message 1 of 2
Frequent Contributor

Re: Did I mess up?

It shouldn't be catastrophic. FICO prefers 1-9% util but is content with anything under 30%.

Starting Score: 492 02/12
Current Score: TU: 668 (FICO), EQ: 668 (FICO). EX: 651(lender pull 9/27/12)
Goal Score: 660

Message 2 of 2