Regular Contributor
jschaffer
Posts: 147
Registered: ‎07-24-2007
Re: Success Stories and Encouragement


i_owns_the_scene wrote:
no lates no collections the last 3 I had I PFDd never ever late never ever ever ever do you have any lates collections anything derog? ALWAYS make sure you keep your util between 1-9% I kept mine around 35-90% from June-October it really kept my score down in October it was 90% I knew when I paid it down I would get pushed over 700 pay them all the way down to 1%having the 90% and paying it all the way down to 1% really gave me that push I needed.



Nice. I think that's what I need to do. My utilization is at 76%. I need to get that paid down completely. I want to carry a 1% utilization balance across all my cards.