Reply
Regular Contributor
creditchief
Posts: 181
Registered: ‎07-24-2007

BUMMER!!!!!

Just lost 12points by paying too much on my cc. I was at 1% util and I went to 0% t.u. fico was 739 now 727. I slipped trying to tweek my scores before I loose my last baddies. I have less than 2months to loose all remaining baddies(bk, and accs.). I'm hoping for a great success story. So beware rebuilders of my mistake.

Starting Score: 550-tu 550-eq
Current Score: 745-tu 777-eq (ex-736 lo)
Goal Score: 800-tu 800-eq


Take the FICO Fitness Challenge
Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007

Re: BUMMER!!!!!

Buy a pack of gum and let the balance hit the statement, then your scores will rebound. You are doing great!

Super Contributor
CS800
Posts: 6,548
Registered: ‎04-07-2008

Re: BUMMER!!!!!

Shoot, I just paid down one of my cap one card from 90% util to 0%. I better go charge a pack of gum on that sucker.

 

My other Cap one card also just got PIF from 5% util to 0%

 

 

 




Regular Contributor
creditchief
Posts: 181
Registered: ‎07-24-2007

Re: BUMMER!!!!!

 

Starting Score: 550-tu 550-eq
Current Score: 745-tu 777-eq (ex-736 lo)
Goal Score: 800-tu 800-eq


Take the FICO Fitness Challenge
Valued Contributor
Datx
Posts: 1,049
Registered: ‎05-20-2010

Re: BUMMER!!!!!

Do you guys really charge a pack of gum on a credit card? I would buy maybe a drink or two. I don't feel right charging a pack of gum on a credit card. I can see the cashier saying...forrealz?

TU: 603 – EQ: 569 – EX: N/A – May 2010

Super Contributor
CS800
Posts: 6,548
Registered: ‎04-07-2008

Re: BUMMER!!!!!

It's Friday, good excuse for me to charge one martini on the card. (at $8 a piece)




Community Leader
Senior Contributor
laz98
Posts: 4,291
Registered: ‎09-06-2008

Re: BUMMER!!!!!


MyCreditStinks wrote:

Do you guys really charge a pack of gum on a credit card? I would buy maybe a drink or two. I don't feel right charging a pack of gum on a credit card. I can see the cashier saying...forrealz?


 

yeah, i sure would!  i don't pay cash for anything except the bus.

 

Latest scores: Walmart TU: 766. MyFICO TU: ---. DCU EQ: 741. PSECU EX: 756.

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+