Frequent Contributor
jd5189
Posts: 470
Registered: ‎08-14-2012
Re: Well at least I tried :)

‎10-05-2012 09:46 PM

On the plus side, I had to call PSECU today as well... great CS!!!!!

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
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Frequent Contributor
AZHeather
Posts: 304
Registered: ‎04-26-2012
Re: Well at least I tried :)

‎10-05-2012 10:00 PM

40%...meh...wouldn't worry.  I don't think the creditors jump the gun on a one month review anyhow.  If they see extremely high utilization continuously for several months, maybe.  Your situation...nahhh.  Don't worry and sleep well my friend.

Starting Score: 634 EQ-FICO (4/20/12) 579 EX-FAKO (4/30/12) 629 TU-FICO (5/6/12)
Current Score: 698 EQ-FICO (11/26/12) 705 EX-(11/21/12) 698 TU-FICO (11/26/12)
Goal Score: 720 (for starters)

Take the FICO Fitness Challenge ~ In the garden until June 2013!
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Valued Contributor
RockinRay
Posts: 1,773
Registered: ‎08-13-2007
Re: Well at least I tried :)

‎10-06-2012 06:46 AM

No worries LS. Everything is cool...

 

Remember, "worry is like interst paid on money not yet due"! I tell myself that daily...  :smileytongue:

Ray

** Every Card has a Job, and Every Card does its Job **

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Contributor
SpiceIslander
Posts: 258
Registered: ‎02-01-2010
Re: Well at least I tried :)

‎10-06-2012 08:56 AM

beautybrainsbooty wrote:

Ok. Listen. Look at me. 40% is nothing. In the whole scheme of things you will be fine. It had to get over my own near manic utilization fears and realize that I am being responsible, paying off my CC debt "early & often" like never before. Creditors love to see you use their cards! The only time I worry about util is when I am going to app. Just let everything post and update. Its ALL GOOD!!! :smileywink:

+!

I was recently approved for BCP, FNBO & Simplicity with util >50%. ( Iknow, I know - but that was down from 75% a few months prior.)

Although 40% is not ideal, it's really not that bad. Cheer up, LS!

Meg.


FICO: EQ 756 / TU 721 - 04/01/13 / EX 744 - 08/24/12 (AmEx)
FAKO: CK 764 - 05/25/13 / Quizzle 744 - 04/01/13
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