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.
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!!!
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!
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!!
Does it cost anything? Thanks.
Yes...about $15 each for EQ & TU.
Check your pm's!!!! Sent you something