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Established Member
mediak
Posts: 11
Registered: ‎09-26-2012

Re: Can someone explain?

There is also a satisfied medical judgment. Was only updated to PAID July of last year because I happened to see it still open, even though it was paid in 2011.

Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008

Re: Can someone explain?

Get those CC paid down.  One to 0 the other to 9% or below.  Your overall utilization is around 51% which is high.  YMMV but I would say between 5 - 10 points for every 10% paid down.

 

For the judgment, find out if your state allows satisfied judgments to be vacated. 

Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008

Re: Can someone explain?

Those merchant cards could be included in your revolving.  How are they listed on your CR?

Established Member
mediak
Posts: 11
Registered: ‎09-26-2012

Re: Can someone explain?

Right. All the merchant accounts are listed as revolving.

So, I'm guessing the total revolving utilization should be under 50, right?

Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008

Re: Can someone explain?

Total revolving utilization, for optimum FICO score should be 9% or under.  That is usually done by letting all but one report 0 balances and the last one at 9% or below.

Established Member
mediak
Posts: 11
Registered: ‎09-26-2012

Re: Can someone explain?

Looks like I have more work to do...it MIGHT be possible to get that judgment vacated in my state...thank you for your help.

Valued Contributor
AndySoCal
Posts: 1,895
Registered: ‎04-07-2009

Re: Can someone explain?

What was the PFD attempt on? Also I would consider lowering your credit card utilitzation to the 10 to 20% range which should help your scores.

Equifax My FICO score 815 5/28/2012, 818 on 7/28/2014 . Average of Accounts 12 years and no Installment accounts. MyFICO TU 810 6/26/2012 809 4/21/2013 MyFICO XPN -805. 2/26/2014 Discover TU FICO 813 App free since 9/2011
Established Member
mediak
Posts: 11
Registered: ‎09-26-2012

Re: Can someone explain?

On that newly reported late. It was unsuccessful.


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