I hate waiting! UTIL about to go from 177% to 6%!

sharriel · ‎10-23-2013

I have 3 chargeoffs and 1 public record that I paid off 2 weeks ago and haven't updated yet. I can't stand this wait!!! Once these show a zero balance, my UTIL is going to go from about 177% to 6%

Yes, right now my UTIL is at 177% when counting in the chargeoffs!!!

Hurry up & update!!!!!

5/16/13 Starting FICOEQ: 521 FICOTU: 536 FICOEX: 571
5/13/14 Current FICOEQ: 668 FICOTU: 690 FICOEX: 673

llecs · ‎10-23-2013

Let us know what it did with your FICOs.

sharriel · ‎10-23-2013

WIll do! According to the simulator, my score will go from 574 to 674-694

I will freak out!!!!!!

5/16/13 Starting FICOEQ: 521 FICOTU: 536 FICOEX: 571
5/13/14 Current FICOEQ: 668 FICOTU: 690 FICOEX: 673

Sunshinebiz · ‎10-23-2013

That would be an amazing jump! Definitely do keep us updated as to how this works... I am in a similar situation, waiting for so many new updates and balance changes to take effect. You're right, its so frustrating refreshing my free reports every day and seeing no changes! Ahhhhh! haha.... Obviously its just a matter of patience and waiting game but its definitely cause for angst. Good luck to you and keep us updated.

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sharriel · ‎10-28-2013

No updates yet. So anxious!!

5/16/13 Starting FICOEQ: 521 FICOTU: 536 FICOEX: 571
5/13/14 Current FICOEQ: 668 FICOTU: 690 FICOEX: 673

sharriel · ‎11-05-2013

No updates yet.

This judgment was being reported as a judgment AND as a charge-off with Portfolio. I paid the attorney and talked to the court clerk yesterday and she said they have received the letter of satisfaction so I need to go get it and send it to the CRA's as proof. I also talked to Portfolio yesterday and they said they will notify all 3 CRA's to have it marked Paid.

Thsi waiting is for the birds!!

5/16/13 Starting FICOEQ: 521 FICOTU: 536 FICOEX: 571
5/13/14 Current FICOEQ: 668 FICOTU: 690 FICOEX: 673

guiness56 · ‎11-05-2013

Bringing your utilization down that much I would expect a very good bump.

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DaBears · ‎11-05-2013

I wouldn't be suprise to see a 75-100 point bump!!!!

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sharriel · ‎11-05-2013

Guiness & Dabears,,,I seriously owe about 90% of this success to YOU TWO!! Could you do me a favor and pat yourself on the back real quick for me? Thanks!

5/16/13 Starting FICOEQ: 521 FICOTU: 536 FICOEX: 571
5/13/14 Current FICOEQ: 668 FICOTU: 690 FICOEX: 673

DaBears · ‎11-05-2013

@sharriel wrote:
Guiness & Dabears,,,I seriously owe about 90% of this success to YOU TWO!! Could you do me a favor and pat yourself on the back real quick for me? Thanks!

I did. I am now hurt like Aaron Rodgers from the Green Bay Packers. DOH!!!! Discount DOUBLEEEEEEEEEEE check.....

DaBears

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