Re: Effect of aging of late payments on Vantage Score
01-10-2013 03:20 AM
Congrats! The journey is long, sometimes frustrating and yet exhilarating. I too have found util at 5 or 6% doesn't change my scores much. With Vantage, it seems as though any increase in balances (debt) tanks the score.
Updated scores 06/01/2014 EQ 797(Fico) TU 768(Fico) EXP 769 (Fico), EQ 849 (Next Gen 5/27/14 Penfed)
Remember the Three P's: Pay early in Full, Pay on Time, Patience