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@Anonymous wrote:
There is one thing that I do know if nothing else,
My current scores arent that bad and those current scores are with a 96% utilization.
Once my new util posts, my scores should skyrocket.
Giving me a great shot at high SL's on both of my new Chase cards.
I will be going for both CSP and Freedom back to back to get them UR points churning for me and
my wife's vacation plans to Las Vegas this year !
You may get an approval as is, but if you wait for your UTIL to update, you'll likely get a better APR and/or SL.
Depending on who you paid your original debt to, you may be able to get them to do a CR update with a phone call or SM.







































It is a Syncrony / Lowes credit card account that was paid.
The statement cut Sunday at midnight.
Does this mean that Syncrony hasnt reported to the credit Bureaus yet ?
What do I ask them when I call so that they will update my credeit files immediately ?
@Anonymous wrote:
I called Lowes credit center yesterday and they contacted a supervisor.
The supervisor put in a forced account update request to all 3 bureaus.
My reports still haven't updated.
What is going on ?
Where are you looking to see up to the minute CR updates? Sometimes it may take 24 hours for the CRA to update their own info.







































What number did you call? I need to do the same. Thanks in advance!
1 800 444 1408
Ask to speak with a representative.
They asked the supervisor which took care of it for me.
My reports are updated now 😆
@Anonymous wrote:
1 800 444 1408
Ask to speak with a representative.
They asked the supervisor which took care of it for me.
My reports are updated now 😆
So whatcha waiting for?😁
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| TCL: $728.25k CCs:27 AAoA: 6yr 11mo Util: ~1% Derog: 0 |
| Mortgage: $206.0k Car Loan 1: $17.0k Car Loan 2: $18.6k |
Thank you @bluefooted!