01-09-2013 08:36 AM
01-09-2013 08:54 AM
Thank you for the input.
I can't do much about spending on the capital one card since it should already be reported. I can get a transaction in today on the Orchard Bank card (maybe a hefty $10 lunch or something- that would put that card at 3.3% utilization (but still only 0.16% utilization overall between the 2 cards). Orchard Bank told me they report on the 10th, so we'll see if the transaction is reported this month or not.
Good thing I'm hungry.
And I'll do a "soft pull" next week, likely of just the EQ score.
01-09-2013 10:36 AM
I would put a little more more on the Orchard Card, say a total of $90 so it shows as 1% utilization of your total available credit but is not over 30% of that single card.
01-22-2013 10:15 AM
Well, after all this, my scores bounced back (and then some)!
Equifax: 637 (sep 2012) to 623 (dec 2012) to 657 (jan 2013)
Experian: 644 (sep 2012 to 621 (dec 2012) to 670 (jan 2013)
Hopefully, now its just crossing T's and dotting i's..
Thank you everyone for your help!
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.