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shegnhsr wrote:Did the 30-day FreeCreditReport.com in January. Signed up for this last week. My credit score increased, on average, 30 pts (670-700). Shockingly, my husband's score decreased from an excellent 775 to 664. He made one late payment. Worst of all, his usage went up about 3K. We have been relying far too much on our one remaining credit card....his card. In this time, my cards were paid off and I settled up with a deliquent account. This score simulator said his usage is hurting him terribly. I had no idea it could do this much damage in 8 months.
shegnhsr wrote:
Did the 30-day FreeCreditReport.com in January. Signed up for this last week. My credit score increased, on average, 30 pts (670-700). Shockingly, my husband's score decreased from an excellent 775 to 664. He made one late payment. Worst of all, his usage went up about 3K. We have been relying far too much on our one remaining credit card....his card. In this time, my cards were paid off and I settled up with a deliquent account. This score simulator said his usage is hurting him terribly. I had no idea it could do this much damage in 8 months.