Frequent Contributor
JPersat
Posts: 299
Registered: ‎05-28-2012
Re: Help with understanding score raising

Is the cap one an open active card? If so, that balance is MURDERING her score. Utilization is 30% (or is it 35?) of your score. I went from a 565 mid in may with around 90% util and sit at a 637 mid at around 4%...my transuion alone went up about 85pts from dropping the balances. If you can get a PFD for that collection and try to goodwill those lates away, that'll help too.

 

 

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Starting Score: 492 02/12
Current Score: TU: 668 (FICO), EQ: 668 (FICO). EX: 651(lender pull 9/27/12)
Goal Score: 660