Went from a 565 to 604. I paid capital one down to 500 from $907 ($1000 limit) and paid orchard down to $83 from $350 ($400 limit).
the due date for orchard with the 400 dollar limit was feb 23rd and the cap one with the 1000 limit was due on the 28th. so I'm not sure if this jump was from just orchard or from both cards. My credit karma only has my new balance with orchard. It hasn't updated with the new capital one balance. I was just wondering but I'm guessing since it's such a big jump that it might be from both cards being paid down. I'm going to wait a couple days to purchase my new report.
Starting Score: 520
Congratulations on the jump!! 
If I can add ONE thing? I recommend NOT buying a new report. You get weekly updates for free from CK, you can get free ones from CreditSesame, or Quizzle also.
Looking back over my journey from 18 negatives in the last 5 years down to one (still so far to go!), I wish I'd not spent so much money on reports and scores, just out of sheer curiosity. I'd put that money towards your debt and just use the free tools to gauge where you are in the rebuilding process. THEN, when you go to buy a car or house where it truly matters, I'd then pull the report.
Just my unsolicited two cents.
+1. Congrats on the score boost.
@HigherFico wrote:Went from a 565 to 604. I paid capital one down to 500 from $907 ($1000 limit) and paid orchard down to $83 from $350 ($400 limit).
the due date for orchard with the 400 dollar limit was feb 23rd and the cap one with the 1000 limit was due on the 28th. so I'm not sure if this jump was from just orchard or from both cards. My credit karma only has my new balance with orchard. It hasn't updated with the new capital one balance. I was just wondering but I'm guessing since it's such a big jump that it might be from both cards being paid down. I'm going to wait a couple days to purchase my new report.
Grats
@westo12 wrote:Congratulations on the jump!!
If I can add ONE thing? I recommend NOT buying a new report. You get weekly updates for free from CK, you can get free ones from CreditSesame, or Quizzle also.
Looking back over my journey from 18 negatives in the last 5 years down to one (still so far to go!), I wish I'd not spent so much money on reports and scores, just out of sheer curiosity. I'd put that money towards your debt and just use the free tools to gauge where you are in the rebuilding process. THEN, when you go to buy a car or house where it truly matters, I'd then pull the report.
Just my unsolicited two cents.
Okay, that does make a lot of sense. It is just curiosity after all.
thanks for the congrats everyone. I need to send out some more GW letter because they have not been working. I'm also going to give in and pay premier bank card. I'm just trying to decide if I should settle. I already have one account settled and that won't look so good if I have another account that has been settled.
Oh ok thanks. I wonder why my oringinal cap one didn't report in credit karma yet? I'm glad for the jump though. I'm going to pay a lot this month to get my utilization down to 9%. Hopefully I get a similar jump since my original cap one is pretty much at 50%.
