Rebuild Credit

[Anonymous]

Hi All,

My credit score had been on the downfall for the past 1.5 years due to high utilization of my credit cards. I have an Costco Amex and a Capital One which are utilized at 80%.  Due to which my credit score has come down from 790 to 622 over the past year.

I would want to pay off my credit cards but am unable to do so currently.  Is it possible that i would get any Balance transfer card approved so I can save on the Interest charges on my current credit cards?

Thanks in advance

Arav

[Anonymous]

More than likely if you do get approved the credit line would be too small to handle the balance transfer.

[Anonymous]

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@Anonymous wrote:

Hi All,

My credit score had been on the downfall for the past 1.5 years due to high utilization of my credit cards. I have an Costco Amex and a Capital One which are utilized at 80%.  Due to which my credit score has come down from 790 to 622 over the past year.

I would want to pay off my credit cards but am unable to do so currently.  Is it possible that i would get any Balance transfer card approved so I can save on the Interest charges on my current credit cards?

Thanks in advance

Arav

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What are the balances/limits on your cards, and where are you getting your score?

[Anonymous]

Thanks for the response. My total limits on the cards are 15k and I am getting the scores from CreditSesame and CreditKarma.

[Anonymous]

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@Anonymous wrote:
Thanks for the response. My total limits on the cards are 15k and I am getting the scores from CreditSesame and CreditKarma.

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Balances and limit on each card?

CS and CK are worthless for scores. Get your true FICO scores from Credit Check Total for one dollar with their 7 day trial.

[Anonymous]

Sorry about the short Msg. I sent it without much details.
9000 usage/10000 on one card
10000 usage/15000 on another card.

I just signed up for Credit Check Total
Experian - 660
TransUnion - 634
Equifax - 616