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I love credit unions!

Regular Contributor

Re: I love credit unions!

Thanks everyone!  I owe it to my fico.   I didn't know about utilization, until I saw the my fico forums.  They were such small cards, a couple of tanks of fuel for my truck would


max them  Used them for points and to pay bills, then paid them off when I got the bill  I didn't realize they reported BEFORE the payment was due.Smiley Surprised


I actually got the personal loan just for another TL.  The reason I asked about the utilization is, it seems I'm just borrowing from Peter to pay Paul.  It does hike up the DTI



FICO EQ: 633 8/15/12
lender pulled 11/3/12 EQ 661 TU 650 EX598
credit Karma 674 credit sesame: 663
B/K discharged 2/2006......closed 8/2012

May your limits be high and your balances low!

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