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Haven't been on here in like forever. Been working my butt off lately. Business has been awesome. Off the chart in fact. So because of the heavy influx of work I had to lean on my credit a little harder than normal. I had to buy alot of materials on my Cap1 sparks card and my personal bank LOC to the tune of about $7000. When the reporting cycle hit midstride of this, a little bit on personal CC cards, my score took a hit of 19 points. Now the work is done and I've been paid so I paid off those cards to the tune of over $12,000 just this month. I thought well this will send my score upwards.........wrong. It went up 9 points. Went from over 50% util to 13% (total available credit of $23,500 and now only using about $3k) in one months time and all 3 of the cards with higher balances have all reported.
Modcut........... And the only reason I was able to pay off my bills in one month was because I was luckier than most poor people. And the only reason I got all that signwork was because I cheated the system therefore denying poorer, less fortunate sign companies the opportunity to make such obscene profits....
Yeah I think the FICO gods are crazy..
Edited to remove aspects of the 5 things we don't talk about here. Hence.... politics.....
Shogun, myFICO moderator
Retrieving post..
@signguy17 wrote:Haven't been on here in like forever. Been working my butt off lately. Business has been awesome. Off the chart in fact. So because of the heavy influx of work I had to lean on my credit a little harder than normal. I had to buy alot of materials on my Cap1 sparks card and my personal bank LOC to the tune of about $7000. When the reporting cycle hit midstride of this, a little bit on personal CC cards, my score took a hit of 19 points. Now the work is done and I've been paid so I paid off those cards to the tune of over $12,000 just this month. I thought well this will send my score upwards.........wrong. It went up 9 points. Went from over 50% util to 13% (total available credit of $23,500 and now only using about $3k) in one months time and all 3 of the cards with higher balances have all reported.
Modcut........... And the only reason I was able to pay off my bills in one month was because I was luckier than most poor people. And the only reason I got all that signwork was because I cheated the system therefore denying poorer, less fortunate sign companies the opportunity to make such obscene profits....
Yeah I think the FICO gods are crazy..
Edited to remove aspects of the 5 things we don't talk about here. Hence.... politics.....
Shogun, myFICO moderator
Glad I got to read your orginal post. It made me chuckle. Sorry about your score drop though
That sucks I wanted to read the original post