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Can someone explain?

Established Member

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.

Message 11 of 18
Epic Contributor

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. 

Message 12 of 18
Epic Contributor

Re: Can someone explain?

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

Message 13 of 18
Established Member

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?

Message 14 of 18
Epic Contributor

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.

Message 15 of 18
Established Member

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.

Message 16 of 18
Valued Contributor

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 814 11/29/2016, Discover TU FICO 807 12/29/2016 Citibank Equifax Bankcard FICO score 827 12/27/2016 Average of Accounts 13 years and no Installment accounts, 1 TU inquiry in 2015
Message 17 of 18
Established Member

Re: Can someone explain?

On that newly reported late. It was unsuccessful.

Message 18 of 18