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The bank does not report. I was told that upfront and accepted the loan with that understanding.
Bummer I guess just bring your utility down to less than 10% if you can, that should save you money as well as bring up your scores. I see people suggesting letting all cards but one report zero, and that one card report 1-9% for optimal scores. I don't have personal experience with this, though. Anyways, good luck, Shellie!
Starting Score: EQ 478 | EX N/A | TU 540 - 5/2014 Current Score: EQ 475 | EX 582 | TU 589 Goal Score: 700 by 5/2015 - My Credit Rebuilding Journey! | Collections (MED): DCS Financial (4) | Columbia Collectors (1) | Dynamic Collectors, Inc (2) | Professional Credit Services (2) | CMRE Financial Services (1) | Total: 10 Charge-offs: | Cards I'm aiming to get: |
Didn't you recently purchase a house?
I would definitely refi that auto. My loan is 1.9% with Ford. Scores be damned, that rate is too high.
No, we don't have a mortgage. We are renting to own. I'm not applying for one for the next several months, maybe even next year. I thought about refi'ing my loan but my pay off is basically the balance. Wwould I even get out of any interest? Save money?
Get RID of those medicals!! Your score should take a nice jump!
I am currently working on that one thing we don't discuss here. I have it all ready to go. Just concerened about those address that I can't get removed.