No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
@Anonymous wrote:
I got dinged -18 points when I had more than 4 accounts with balances. Score Watch said Too many balances, -18 point change. This included all installments as well combined. For some it is more than 50% of total open accounts reporting a balance. I don't know where your too many is but you would need to reduce to a few balances to see. It depending on your score, if low you might not be hit as hard as I am. Maybe you will only be hit for -9 points or something. Just guessing. I am hit for -18 every time.
@Dgimple wrote:I don't know why my 5/13 scores didn't show up for comparison sake.5/13/08 EQ 714, EX 717, TU 694
@haulingthescoreup wrote:
pizza, what was your util when you got this? My question is if this ding only comes into play after total and individual util are low.
My util was under 1 or 2% when I got this comment, but that's generally where my util was anyway, so I can't extrpolate from that.
@Anonymous wrote:
UTL was not a factor with my specific loss of -18 points for too many balances. Same when I was maxed out and same when each account reported a $1.00 with UTL less than 0.01%. It was an action that took points off my score regardless of other factors. My report has no negs right now so the score finds ways to ding me for the smallest things.
@haulingthescoreup wrote:
pizza, what was your util when you got this? My question is if this ding only comes into play after total and individual util are low.
My util was under 1 or 2% when I got this comment, but that's generally where my util was anyway, so I can't extrpolate from that.