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paid down credit cards

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Regular Contributor

Re: paid down credit cards

2 cards, one with 300/1000 and 2nd with 110/350
Lender pulled fico scores 4-11-2013
Equifax 670, Exp 673, TU 672
Message 11 of 14
Valued Contributor

Re: paid down credit cards

Okay so you are averaging 30.5% utilization across two cards. So if you get your DTI below 30%, you should see a bigger increase. What I would do is pay $20 on the $350 card and $50 on the $1000 card. That will put your average at 25%. So I think the biggest problem is that you are teetering around the 30% threshold. Once your balances drop below that, you should see a bigger increase. Good luck! Smiley Happy
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Message 12 of 14
Regular Contributor

Re: paid down credit cards

thank you, I will do thatSmiley Happy

 

Lender pulled fico scores 4-11-2013
Equifax 670, Exp 673, TU 672
Message 13 of 14
Valued Contributor

Re: paid down credit cards

You're welcome. Sending green clovers! Smiley Wink
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Message 14 of 14