topic Re: How does Dell acct affect scoring in General Credit Topics

How does Dell acct affect scoring

Anonymous — Sat, 04 Apr 2009 13:03:24 GMT

I currently have zero balances (just done this month and want to stay that way for a while) on cc's in my name but do have an open Dell accountwith a balance. Other half currently only has one cc in their name, PIF almost every month (but it does show balances on reports) and also has a Dell acct wih a balance in their name.

Do I need to use a cc as long as I have a blance on my Dell acct?

Re: How does Dell acct affect scoring

Anonymous — Sat, 04 Apr 2009 13:07:58 GMT

Is your Dell account revolving or installment?

Re: How does Dell acct affect scoring

Anonymous — Sat, 04 Apr 2009 13:13:28 GMT

Hold on a minute and let me see how it's reporting.

Re: How does Dell acct affect scoring

Anonymous — Sat, 04 Apr 2009 13:17:40 GMT

Both report as revolving.

I plan on having both of these paid off by middle of July, but also will be using cc in July for vacation (PIF when the cc statement arrives).

Re: How does Dell acct affect scoring

Anonymous — Sat, 04 Apr 2009 13:29:57 GMT

If it is revolving, then only have it report is ok. As long as your util is not 0%, but ideally below 9%.

Re: How does Dell acct affect scoring

Anonymous — Sat, 04 Apr 2009 13:33:45 GMT

FANTASTIC. After Dell is paid we will always have at least one card show a balance and it WILL be below 10@. Next is to pay off car loan.

Thanks so much for your help.