09-20-2012 06:26 AM
Ok, so I worked for a year and got my score from 600 to 650 and 665. Then, I had to max out my mattress card and buy a new car. As a result, I went down to 630. I was told my score will go up 2 points a month or something as this car loan helps me. Thing is, do I need to get my Util down to 10% in order for the car loan to start affecting me ion a positive way?