Captain's Log, Stardate 2.2.2013

[alexl22]

Yea new accounts + high utl + decrease Aaoa = equals score drop, BUT get that util low be responsible and pay on time and that score will go up UP UP!

[Crossdivided]

Thanks! Yeah, I'm on a 5-6 month plan to pay down to 10% util. Maximum belt tightening (ramen noodle dinners, extra side jobs, etc etc) but I'm used to that during rebuilding anyway.

I'm thinking NFCU CLIs (they're as good as GE on those...every 4 months ish it's luv button time if you treat em right) will be practically assured when you go from a 17.5k maxed all accts to 10% that quickly with a mediocre income...not to mention the IRS tax lien off the reports by then.

We'll see...

[Crossdivided]

Tax lien off all 3 CRAs.

NFCU cashrewards cli 500 to 1.5k
NFCU platinum cli 2k to 10k

Score tanked to low 600s from 700ish (paying off irs and all other old debts) between the new accts and high util...but that was to be expected.

[Shogun]

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@Crossdivided wrote:
Tax lien off all 3 CRAs.

NFCU cashrewards cli 500 to 1.5k
NFCU platinum cli 2k to 10k

Score tanked to low 600s from 700ish (paying off irs and all other old debts) between the new accts and high util...but that was to be expected.

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Those scores will rebound.  You have a much cleaner report with healthy TLs so those scores have plenty of room to grow.  Nice work.