What do you think? Guestimates welcome!

[NY_Beauty]

I recently obtained CLIs from JCP, Orchard Bank and increased the deposit on my secured account.  When will I see them on my CR? 

JCP $400- $700

OB $300- $450

Open Sky Visa secured $500 - $700

What type of impact will they have?

[rckstrscott]

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@NY_Beauty wrote:

I recently obtained CLIs from JCP, Orchard Bank and increased the deposit on my secured account.  When will I see them on my CR? 

JCP $400- $700

OB $300- $450

Open Sky Visa secured $500 - $700

What type of impact will they have?

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What is your current usage on those cards?

-scott

[Repo-ed]

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@NY_Beauty wrote:

I recently obtained CLIs from JCP, Orchard Bank and increased the deposit on my secured account.  When will I see them on my CR? 

JCP $400- $700

OB $300- $450

Open Sky Visa secured $500 - $700

What type of impact will they have?

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Within 30 days.

The impact is directly linked to your current util%

[Shogun]

Should show up after the next posting, usually every 30 days.

[NY_Beauty]

I use them and typically pay them off every month.  I don't carry a balance but might keep $20- $25 on each one just for kicks.

[Jutz]

Stop having each report, and only let one of them report

[llecs]

FICO-wise no score gain because util would remain at 0% if you are paying them off and reporting as such. If you are carrying balances, then you might see a gain; depends on how much of a balance is reported.