derodge wrote:i did this was what I pulled it from. heres some of the info:
It only says one thing "You've made heavy use of y
our available revolving credit." But, then on the report it says credit utilizatio n 8.5% Total $45,000 used $3,850
Why is high considered high?
This total you show of $45k that is what you have in "REVOLVING" Credit?
---Back To The Garden on 6/11/13
It is possible that it is the "buckets" Hopefully someone with more knowledge will jump in. But my understanding is this........
If you have a "history" of late payments or BK
High UTL
Low AAoA
Then you can be put in a "bucket" where FICO just will not let your score go up much.
And the only why to overcome that is just time, time of good UTL and no late pays while your accounts are aging.
Something isn't adding up here. There has to be more to it. The score is not matching up here.
Starting Score: 504
Current Score: EQ FICO 819, TU08 778, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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