08-06-2009 10:34 AM
I just inherited $4000 so I took all that $ to pay down the balances on my revolving accounts!!!! That brings me down to 10% util!!!!! I'm sooooo excited to see what happens to my scores!!! According to the simulator it should bring me up at least 30-40 points on my TU. My EQ is about the same...I also have a DV out to AFNI which I'm waiting on----I'm 99% certain that collection doesn't belong to me.
08-06-2009 10:38 AM
Congrats!!!!! Especially on your obvious control....that would be hard not to spend some!
But that's the mindset you get after you've been here for a while. Paying down becomes so much more important than it used to be!!!
08-06-2009 10:48 AM
My Util before was 45% so getting down to 10% is amazing for me!
Bungalow...tell me about it!!! It was REALLY hard to not spend the $!!! Since seeing the improvements over the past year it would be a shame to backtrack!
08-06-2009 10:51 AM
The only thing to splurge on is...buying your 2 FICO's when the accts update ...and have a drinkie to celebrate!*
*Type of drinkie is totally your call!!
08-06-2009 11:14 AM
08-06-2009 11:25 AM
Does it cost anything? Thanks.
Yes...about $15 each for EQ & TU.
Check your pm's!!!! Sent you something
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.