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Moderator Emeritus
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Registered: ‎12-19-2007
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Re: Utility Bills on CR??

Peas:

TU has always hated me. Even when I had all scores in the 700s, TU's was always the lowest. I wish I could borrow a few points from EQ to give to TU. :smileysurprised:)
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Re: Utility Bills on CR??


ByrdMan wrote:
Peas:

TU has always hated me. Even when I had all scores in the 700s, TU's was always the lowest. I wish I could borrow a few points from EQ to give to TU. :smileysurprised:)


I seem to be permanently on EQ's fecal chart. My only baddies are lates --no collections, etc --and EQ seems to get much more excited about them than do EX and TU. EX is always my highest. Too bad I have to wait 3 more months for a late to age before I can use it on something!
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
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Re: Utility Bills on CR??

[ Edited ]
I lived in Texas since 1983 I wish the utility company here did report since I was never late with them and not to mention that it would have been the oldest account on my CR since I lost my 1979 JCP card in the DMP when it was PIF and closed.
 
I do have a vintage 1984 Chevron card that has a 0 balance and never late.  My pride and joy.  After 2 billing cycles, I will use it to buy 1 tank of gas which I hope will be under 10% of my 2400 CL.


Message Edited by marty56 on 01-02-2008 04:24 PM
11/28/2014 FICO: EQ: 796 EX:788 TU:803
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Re: Utility Bills on CR??


marty56 wrote:
I do have a vintage 1984 Chevron card that has a 0 balance and never late. My pride and joy. After 2 billing cycles, I will use **bleep** to buy 1 tank of gas which I hope will be under 10% of my 2400 CL.


Could be a near thing! Oil hit $100/ bbl today, and the local gas prices went up 18 cents/ gal while I was at work. (And yep, I need to fill up. sigh)
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Super Contributor
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Re: Utility Bills on CR??

Where did the "beep" come from.  I  thought I typed "it"  I hope I didnt fat finger anything.
 
I just filled up as well.  Gas was $2.89.  It was $2.77 last week.
11/28/2014 FICO: EQ: 796 EX:788 TU:803
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Re: Utility Bills on CR??



ByrdMan wrote:
Peas:

TU has always hated me. Even when I had all scores in the 700s, TU's was always the lowest. I wish I could borrow a few points from EQ to give to TU. :smileysurprised:)


Yikes!! Why the difference in scores?
If at first you don't succeed... hang up and try again!!
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Re: Utility Bills on CR??

Let's make a DEAL!
 
(Just kidding Fico gods)
~*~*~*~*~*~*~*~*~*~*~
From 700 in 2008 to 498 in 2012...
4/23/12 -- BK 13 date of filing EQ = 505
4/18/12 -- EQ 498
12/5/13 -- EQ 669
Here we go.... back on track.
Moderator Emeritus
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Re: Utility Bills on CR??



marty56 wrote:
 
I just filled up as well.  Gas was $2.89.  It was $2.77 last week.



Nice.  We were paying 3.05 last week and we're not typically high!
~*~*~*~*~*~*~*~*~*~*~
From 700 in 2008 to 498 in 2012...
4/23/12 -- BK 13 date of filing EQ = 505
4/18/12 -- EQ 498
12/5/13 -- EQ 669
Here we go.... back on track.
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Posts: 6,794
Registered: ‎09-29-2007
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Re: Utility Bills on CR??



WhirledPeasPlease wrote:


marty56 wrote:
 
I just filled up as well.  Gas was $2.89.  It was $2.77 last week.



Nice.  We were paying 3.05 last week and we're not typically high!


NYC here.  Can't remember the last time gas was under 3.25.
 
----------------------------
App free since 7/11/08.
TU 744 / EX 710 / EQ 694 (Starting to slip. :smileysurprised: )
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Re: Utility Bills on CR??

dragracer,
 
I live in Michigan and, DTE is my natural gas supplier. They began reporting to all 3 CRA's in June 2006 (approx.). The category under which it falls is "other". From what I see it does not effect utilization, and it's a continually updated number each month. Your current statement balance is what's reported. While I haven't been able to identify a down side to this I haven't been able to find an upside either, other than an aging tradeline.
FICO scores on November 17, 2014 (prior to applying for and being approved my mortgage)

EX=738
EQ=735
TU=754

FICO scores on March 4, 2015 after being approved for mortgage and buying the home, the mortgage isn't yet reporting.
EX- 689 EQ- 739 TU- 739
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