Credit Card Center Advertiser Disclosure

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

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: 16,382
Registered: ‎03-12-2007
0 Kudos

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

How much money do you have to pay down these balances further?
Established Member
Posts: 15
Registered: ‎11-17-2007
0 Kudos

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

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.