Valued Contributor
Posts: 1,253
Registered: ‎03-22-2012
Re: Newbie Question......

Sitori wrote:
Ok i think i got it. Thank you so much for explaining !!! It helped a lot.

And Jamie...I will use all cards Every month leaving a small balance on them around 5% (less? More?) Yes, 5% would be good. until when? January? Until the last payment due date before you plan on applying for Care Credit. Then pay them all down to report zero except one ? Yes, perfect! And then wait 1 week before applying for Care Credit.

Is that right? I'm assuming for Christmas I will have a slightly higher utilization than 1% anyway...but I will let the balances carry over if you're suggesting it will help my chances of getting approved for care credit in late Feb/early March.

I really appreciate everyone breaking this down for me. Man is it confusing lol!

Good luck!


Starting Score: EQ 658 6/18/12
Current Score: EQ 705 6/21/15 - EX 783 6/21/15 - TU 707 6/21/15
Goal Score: EQ 720+
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