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That is awesome!! Congrats! This gives me hope for something I need to send out. I got a verbal no but I'll send a GW til I hit the right person who's in a good mood and has had their lunch already.
Hey man, that's right. Keep thinking positive, haven't you heard about the Secret?
Congrats on hearing back from Chase. That's good news. Go and do that dance now!!!
Aquinbean, what % of your overall CL did those cards you just paid off represent?
I've found that the rule of thumb tends to be for each 10% of utilization you pay down, you get about 10 points on your FICOs.
SW will alert you to score changes ONLY if you remember to re-set the target score to the current one OR you cross the target score with the change.
SW will not tell you about a deletion at all, but you may see a score bump with a list of theoretical reasons, none of which will be a deletion.
I paid off 30% of my CC Debt with the cards I just paid off. Every card was near 98% utilization. I'm not sure that all of the cards have reported since I paid them off, since my statement dates differ between some of them. I have my target score set at 1 point higher than the last updated score - I can't imagine that it would be going down. Are you sure that the SW will not tell me about a deletion? What if it is a collection deletion?
@mauve wrote:Aquinbean, what % of your overall CL did those cards you just paid off represent?
I've found that the rule of thumb tends to be for each 10% of utilization you pay down, you get about 10 points on your FICOs.
SW will alert you to score changes ONLY if you remember to re-set the target score to the current one OR you cross the target score with the change.
SW will not tell you about a deletion at all, but you may see a score bump with a list of theoretical reasons, none of which will be a deletion.
Good Luck!
How are goodwill letters supose to mailed? Via reg. snail mail or do they need to be cert.?
I love the Secret!
okay ill bite whats The Secret
That's great news!! I'm in the process of sending out GW letters for the same situation. I can't wait for my heart to race when I open my mailbox. Hopefully I'll have a little bit of the same luck you had. Thank you for posting!