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Utility Bills on CR??

Moderator Emeritus

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. Smiley Surprised)
___________________________________________________________________
Do what is true in spite of the consequences--your future is only as true as you are.
Message 11 of 43
Moderator Emerita

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. Smiley Surprised)


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
Message 12 of 43
Super Contributor

Re: Utility Bills on CR??

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
01/13/2018: FICO 829 EQ 823 TU 831 EX
Message 13 of 43
Moderator Emerita

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
Message 14 of 43
Super Contributor

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.
01/13/2018: FICO 829 EQ 823 TU 831 EX
Message 15 of 43
Valued Contributor

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. Smiley Surprised)


Yikes!! Why the difference in scores?
If at first you don't succeed... hang up and try again!!
Message 16 of 43
Moderator Emeritus

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.
Message 17 of 43
Moderator Emeritus

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.
Message 18 of 43
Moderator Emeritus

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. Smiley Surprised )
Message 19 of 43
Established Contributor

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
Message 20 of 43