Re: Utilization & score increase??

medicgrrl · ‎05-03-2009

tyvm for the info!! Hopefully I will get the boost I need this month. I guess if not then I will be waiting until June to make loan application. I just need to make this move ASAP...it's so frustrating! I know what you mean about being laid off sucks. That is what caused my credit mess too.

EQ 778 EXP 782 TU 729

MizzB · ‎05-03-2009

If its critical to have your updated score, can you pay to have a rapid rescoring done through your lender?

*********************************************************************************
Current Score (04/20/20): EQ:673; TU: 691; EX: 688 (FICO)
Starting Score (01/20/17): EQ:511 (FICO); TU: 521 (FAKO)
CapOne QS MC: $10k | Chase Sapphire Preferred: $14.5K | OpenSky Visa: $500 | Green Dot MC $300 | Green Dot MC2: $300 | AMEX Gold CC: NPSL | AMEX Platinum CC: NPSL | Amex Gold Delta Skymiles: $3k | DiscoverIT Chrome: $5.6K

Anonymous · ‎05-04-2009

You can also "dispute" balances online directly through the CRA's which has no cost. In the past I have had them respond with updates within days to a couple weeks. Each CCC will be a little different in response time.

This is a valid dispute since the reported balance is in fact inaccurate.

medicgrrl · ‎05-11-2009

So everything has been updated on my report now (see scores below) I am down to 81% utilization on 3 cards. I paid off JCP today and will be paying off the visa at the end of the month and will have the MC down to 1% next month. Do you think I will get another 30 points by doing that?

EQ 778 EXP 782 TU 729

Utilization & score increase??

Get your FICO® Score for free