any clues?

[Anonymous]

First let me list all of our credit cards.

Hsbc mastercard-  cl 1000  balance 845.73 APR 29.99 % (paid off not showing paid off yet)

Capital one- cl 750  (went from 500 to 750 in like 3 months automatically)  balance 500 APR14.4%

                        AF $39 

Best buy- cl 1900 balance 1618.34  APR differs   -  829.21 @ 22.15%  (paying 375 to it monday)

                                                                               -  733.76  @10.9% till 2/10/10

                                                                                - 27.98    @10.9% till 2/10/10

                                                                                - 92          @ 0% till 1/17/08  then 22.15

Firestone- cl 1200 balance 700 APR 0% till 2/5/2008  then 21.84%

homedepot-  cl 3000 (reporting 2500 so far) balance 907.93 APR 0%interest till   6/22/2008  then 21% (not showing yet)

 640  APR 0% interest till  6/1/2008  then 21%

Sears-  cl 900 balance 785.8  APR 24.4% (paying 750 to it monday)

applied card bank- cl 500 balance 0 APR AF $50

american car care center- cl 1000 balance 0 APR 22.99%

America First Credit Union-  line of credit of 1800 interest rate at 10.25%

                                          -   line of credit of 500 interest rate at 10.25%

                                           -  personal loan balance 1300 interest rate at 10.25

                                          -   truck loan balance 21200 interest rate at 9.15%

                                          -   New Visa Credit card with 3000 limit apr of 10.75% used it to pay                                              off hsbc sears and some to bestbuy (not showing on my credit yet)

scooter loan- balance +/- 3500 interest rate about 17%

newegg card - cl 2400 balance 0  interest rate 21.99%

Mortgage 172900 interest rate at 6.75%  (this has not reported to EQUIFAX yet) anyone know how long it will take and how much it will drop my score any geusses

My score is 696 right now and my husband's is 664 any geusses how this will change with our mortgage and our new charges and limits?  oh yeah and i have only pulled equifax for these scores

[Anonymous]

Smartcookie should be allong soon-

She just gets though these quick-

Are these numbers correct? 

 

Bal	CL	UTL
845	1000	85%
500	750	67%
829	1900	44%
700	1200	58%
1550	3000	52%
750	900	83%
0	500	0%
0	1000	0%
	1800	0%
	500	0%
	1300	0%
	21200	0%
	3000	0%
	2400	0%
5174	40450	13%

[Anonymous]

what it says now                                   what it will be this week

bal     cl         util                                     bal          cl              util

845   1000     85%                                   0          1000           0%*

609   750       81%                                   500        750           67%*

1750  1900    92%                                  1250      1900          66%  *

750    1200    63%                                    700       1200         58%*

686    2500    28%                                   1550      3000         52%*

800    900      89%                                     50         900           6%*

1800  1800   100%                                  1800       1800       100%

51       500     10%                                      0           500          0%*

0         500    0%                                          0           500          0%

0        1000   0%                                          0          1000         0%

                                                                 2000       3000         67%*

7291  12050  60%                                    7850      15550          50%                      

and personal loan of 1300                        and personal loan of 1300

and truck loan of 21220                            and truck loan of 21220

                                                                  mortgage of 172900

the one with the * will be different my score right now is 696 any clue as to what will happen to it?

[Anonymous]

Have you tried the Simulator?

I don't want to get your hopes up as I am suprised your score is at 700 with several accounts nearly maxed out- this tells me you have never been late- 

General rule is about 15 points per 10% of UTL

Continue to get everything under 50% UTL -

[Anonymous]

yeah you are right i am 22 and my husband is 23 and we have never been late on anything.  That is one of the things that i am the most happy about with our scores!