What are my chances????

[Charnele1989]

My Utalization is at 31% I cant get my credit to score to move a lick. I had a secured card since 2010 Its the longest account I have had. The credit limit is 220.00 I woder if I increase it to 500.00 would that help my score any?

[azguy13]

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@Charnele1989 wrote:

My Utalization is at 31% I cant get my credit to score to move a lick. I had a secured card since 2010 Its the longest account I have had. The credit limit is 220.00 I woder if I increase it to 500.00 would that help my score any?

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It would help for UTI purposes.

[Whitneyy]

If you pay down some of your utilization you will see a jump.

[azguy13]

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@Whitneyy wrote:

If you pay down some of your utilization you will see a jump.

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I dont think it will jump too much though. I would start GW'ing and PFD whatever baddies are on your report. That will get you the best results. I know you stated that you have been working on it, but that will give you the most improvement.

[Charnele1989]

Well winthin the next two weeks I plan to pay down more, I mean all of my cards have VERY LOW BALANCES........ I just want to see the darn thing move a little. Seems like im putting in so much work and itsjust stubborn. I even got two deletions. Chase is giving me a very hard time though/

[Charnele1989]

I only have one baddie and its 1600.00. NCC is very rude, I asked for a settlement and they declined, and said they will garnish my check if I didnt pay. I dont have 1600.00 right now I wish I did. everybody else is paid and I have sent a GW LETTER, Chase is tough