topic Re: I want to play the credit uti game!!! in Rebuilding Your Credit

I want to play the credit uti game!!!

Anonymous — Fri, 08 May 2015 18:54:15 GMT

So what day(s) am I supposed to pay to play this game and get my fico score up?! My credit total is now $1250. The following, are cards I have and one I have not used so far this month. I was instructed to start using these cards frequently, but not sure when to pay each one(besides the due date lol) to increase my scores! Any help is needed thanks!!!

CAPITAL ONE

Current Balance:
$134.31
Minimum Payment:
$0.00
Due: May 20, 2015
Available Credit:
$170.02
Credit Line: $350
- Last Statement Balance:
  $0.00
  As of Apr. 23, 2015
- Last Payment:
  $131.62
  Posted Apr. 15, 2015

KAYS
Last Stmt Closing Date 02/18/2015
Due Date 03/13/2015
Past Due $0.00
Minimum Payment $25.00
Total Due $0.00
Balance* $310.65
Available Credit $89.35
Last Payment Date 02/08/2015

Avail credit : $71

Current Balance: 5/7/15 $228.10

Last Statement: 4/23/15 : $0

DISCOVER IT Secured

Available: $200

Not used

Re: I want to play the credit uti game!!!

Anonymous — Fri, 08 May 2015 19:48:38 GMT

@Anonymous wrote:
So what day(s) am I supposed to pay to play this game and get my fico score up?! My credit total is now $1250. The following, are cards I have and one I have not used so far this month. I was instructed to start using these cards frequently, but not sure when to pay each one(besides the due date lol) to increase my scores! Any help is needed thanks!!!

CAPITAL ONE                                       <------------- Pay all but $20 or so before the 22nd of the month. Don't use the card at all from 5/17 to 5/24.
Current Balance:
$134.31
Minimum Payment:
$0.00
Due: May 20, 2015
Available Credit:
$170.02
Credit Line: $350
Last Statement Balance:
$0.00
As of Apr. 23, 2015
Last Payment:
$131.62
Posted Apr. 15, 2015
KAYS                                                    <----------- PIF before the 17th.
Last Stmt Closing Date 02/18/2015
Due Date 03/13/2015
Past Due $0.00
Minimum Payment $25.00
Total Due $0.00
Balance* $310.65
Available Credit $89.35
Last Payment Date 02/08/2015

WF                                                         <-------------PIF before the 22nd
Avail credit : $71
Current Balance: 5/7/15 $228.10
Last Statement: 4/23/15 : $0

DISCOVER IT Secured                        <-------------- Don't use until you find get the statement close date.
Available: $200
Not used

Re: I want to play the credit uti game!!!

Anonymous — Fri, 08 May 2015 19:52:15 GMT

discover will actually tell you next statement close somewhere, but other than that, exactly this ^^^^^

Re: I want to play the credit uti game!!!

Anonymous — Fri, 08 May 2015 19:58:16 GMT

Very true! If I charge something that brings my utilization up, I will pay in full asap.

Re: I want to play the credit uti game!!!

Anonymous — Fri, 08 May 2015 21:10:05 GMT

Looking forward to do the same this month! Trying to lower balanced on some ant pif others before closing date.

Re: I want to play the credit uti game!!!

Anonymous — Fri, 08 May 2015 21:48:49 GMT

Thank you very much!!!

Re: I want to play the credit uti game!!!

Anonymous — Fri, 08 May 2015 21:47:53 GMT

I know, haven't received it yet. It should be arriving today! :-)

Re: I want to play the credit uti game!!!

Anonymous — Fri, 08 May 2015 21:48:26 GMT

Thanks!!!!

Re: I want to play the credit uti game!!!

Anonymous — Fri, 08 May 2015 21:50:35 GMT

@Anonymous wrote:
Looking forward to do the same this month! Trying to lower balanced on some ant pif others before closing date.

I know!! I can't believe I had to find out on myFICO from strangers on how to bring up my scores. Who needs friends... lol?

Re: I want to play the credit uti game!!!

Anonymous — Fri, 08 May 2015 21:57:41 GMT

Same thing! Found so many things I'm doing wrong and fixed things, in just one month I:

1) cleaned 2 accounts using GW - I had late payment cleaned

2) got a old medical collection (and promsied it will be deleted - will see in 2.5 weeks if it does)

3) Learned about UTI, closing dates and reporting dates and working on it this month.

used to put all my paycheck in my checking account, instead this month I paid down 7K of my 12K LOC (to a $44 balance) and will continue to use it to pay down a few cards (I have high Utilization) to see if I can bump my score, I'm very excited about this and want to see how much I can improve - I'm waiting anxiously to see how much EX will improve (willl know tomorrow via EX service).

Re: I want to play the credit uti game!!!

Anonymous — Fri, 08 May 2015 22:19:01 GMT

@Anonymous wrote:
Same thing! Found so many things I'm doing wrong and fixed things, in just one month I:
1) cleaned 2 accounts using GW - I had late payment cleaned
2) got a old medical collection (and promsied it will be deleted - will see in 2.5 weeks if it does)
3) Learned about UTI, closing dates and reporting dates and working on it this month.

used to put all my paycheck in my checking account, instead this month I paid down 7K of my 12K LOC (to a $44 balance) and will continue to use it to pay down a few cards (I have high Utilization) to see if I can bump my score, I'm very excited about this and want to see how much I can improve - I'm waiting anxiously to see how much EX will improve (willl know tomorrow via EX service).

WOW!!! So exciting! I bet you log on every day to check your scores! lol It becomes addictive. Reading all these turnaround stories gives me soooo much hope! To be honest, I'm nervous about writing a good will letter. I've been wanting to do it for a while. Did you just google a format or did someone on the site help you write one?

Re: I want to play the credit uti game!!!

Anonymous — Fri, 08 May 2015 22:27:13 GMT

Probably like 50 times a day... lol...

I'm really anxious about EX not updating on myFICO, tomorrow my subscription starts on EX so I'll probalby be checking.

Send me a private message and I'll send you the GW letter I sent to chase that worked.