No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
@llecs wrote:
However, to date, Lending Club still has yet to report and they didn't hit me up with an inquiry (but did a soft the day I applied). Time will tell. The first due date is at the end of August. I
_____________________________________________________________________________________________
Edited to delete my Lending Club questions which sort of hijacked this post! I read other forum posts about LC and went on line for more info. Sorry for the interruption!
@llecs wrote:
UPDATE...
I'm in the home stretch now with 3 TLs (well, really 2, because one is Macys with no CL listed) left to update. For the past many days I have updated the first post showing the changes to util in relation to changes to score. The three remaining cards are CapOne 822/1000 and that should update starting on Tuesday, 1460/1500 for Juniper and that should update starting the 4th. Finally Macys has a $600 balance and that should update on the 5th, but isn't factored into util. As of today, my util is less than 1% once everything reports with balances only on Amex and $25 on Discover.
As you can see, the scores went up by a fair amount. Despite TU dropping 75% to date, the increase was a lot less than I thought it would at 65 points. Now I'm not complaining any, but I thought the change would be more. Conversely, EQ went above and beyond. 111 points for 72% less in util is a lot more than I thought it would be.
I'll post a final update later this week.
Any update, Ilecs? I can't stand the suspense.
"Alas"? Heck, any time EQ updates anything at all is an occasion for celebration!
Grats on the lovely 774, and enjoy your vacation.
Ilecs, 774, Yay!!!!!
Way to go! A great lesson in keeping amounts owed in installment rather than revolving territory. I'm amazed at the score impact.
Finished EQ today! TU should update by tomorrow and I'll give a play-by-play analysis tomorrow evening, assuming Junny does update on TU by then.
Isn't this costing you a lot of money checking your scores so often? Although if my score was going up so fast I would be checking it too! Congrats!
@UtahTiger wrote:
Isn't this costing you a lot of money checking your scores so often? Although if my score was going up so fast I would be checking it too! Congrats!
The key to charging these FICO reports is to take your CC bill and toss it. They way you'll never know the damage.
Joking aside, I pay the same price as everyone else. I spend $10.95/EQ report (discount due to being a SW subscriber) and pay $11 and change for TU after using a discount code (google is a great source. So is Twitter (hint)).
Plus, this will never happen again. I pray my util will never hit 80%+ again. Plus, I'll know cause and relationship per points because I already have a baseline to draw from.
@llecs wrote:Finished EQ today! TU should update by tomorrow and I'll give a play-by-play analysis tomorrow evening, assuming Junny does update on TU by then.
Looking forward to it!