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Established Member
Posts: 15
Registered: ‎11-17-2007

List of Card payments and balances, what can i expect?

Hi.  I am new and don't know the "game" yet, but am trying as my credit scores are VERY low.  I have a few questions....first, should my scores increase a lot do to the following payments and balances?  If so, how much to you think it would jump:
                                       Reported          pymt 10/29      pymt 11/15    Balance         CL
Direct Mrch                        $2,172.00         ($245.00)          ($80.00)        $1,847.00       $2,000
Childrens Place                    $105.91           ($80.91)             $0.00             $25.00         $150
Credit One Card                   $400.74          ($331.05)          ($69.69)              $0.00         $250
Dressbarn                            $198.72          ($198.72)            $0.00               $0.00         $250
Orchard Bank                       $309.05          ($200.00)         ($50.00)              $59.05       $300
Snap CC                              $304.00          ($200.00)         ($50.00)              $54.00       $300
Badcock                              $249.00          ($249.00)            $0.00                 $0.00       $800
As of today, the only item reported to the CRA is the Childrens Place payment.  Also, I had two 30 days for the badcock, one for the credit one.  I have written GW letters and will be mailing them today.
Second question, hmm, now i forgot my second question!!!!  Sorry, I will post if I remember.
Thanks for any help or responses.
Fico  EF 402, Ex 460, TU 494

Moderator Emeritus
Posts: 16,385
Registered: ‎03-12-2007

Re: List of Card payments and balances, what can i expect?

How much money do you have to pay down these balances further?
Credit Profile - FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 27 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: TU 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring World Mastercard ~ Chase Freedom Signature Visa ~ CITI Dividend World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Established Member
Posts: 15
Registered: ‎11-17-2007

Re: List of Card payments and balances, what can i expect?

[ Edited ]
I will have more $$ to pay on Nov. 30.
ETA:  I can probablly pay about $400 towards balances (since all but one are almost paid off it would mostly go the the Direct Merchant card.)

Message Edited by littlemommy928 on 11-17-2007 08:32 PM

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