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UPDATE:   car loan hit 3 years and another CC reported a $0 balance! score jumped from 665 to 679...
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also are you looking at putting anything down? do you have a trade-in?
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job history is definitely something they look at but also DTI, credit score, amount of loan needed,...
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last month when i pulled my car loan was at $10,873 now this month it was reported as $11,076. ...
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  marty56 wrote: What are you trying to acomplish?  If you are waiting for a change to an acco...
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  my-own-fico wrote:   Alexandria wrote: lmao why martha stewart? i knew it was 51% b/c i...
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lmao why martha stewart? i knew it was 51% b/c i did the math which included the macy's balance but...
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  AndySoCal wrote: It is being reported in you balances because it is being reported  as a rev...
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  my-own-fico wrote:   Alexandria wrote: also isn't having a $113 balance on a Macy's sto...
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maybe it went down b/c you were put into a different scoring bucket now that you have no lates/publ...
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also isn't having a $113 balance on a Macy's store card a 113% utilization since they don't report ...
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I know it is a soft pull but i think it was "Haulingthescoreup" who said something about a file spl...
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  fused wrote: Nice work, krystal and Alexandria! thanks sweetie!  
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  blackrose60203 wrote: APPROVING BANK: Navy Federal BUREAU PULLED: Equifax CREDIT SCORE: 68...
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just an update... so far in july i have gone from $3236 (59%) to $1802 (34%) and I'm not done yet f...
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  MrShush wrote: ...still haven't used it yet.   I'm afraid give it to me, I'll use i...
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what about if a card reported a "highest previous balance" would it then factor into the util?
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