I messed up

[Anonymous]

I had an emergency this weekend and had to use my cc's. I maxed out both of them. I'm gonna pay them both off on Friday, will this effect my score if I just maxed them out and paying so soon? Please advise, I'm in the dumps about this.

[Xercien]

Depends on when your statement posts

[Wolf3]

Even if you let the statement report, it only affects for 1 month, then it goes back.    The effect is temporary.   

[Anonymous]

Thanks cause I'm trying to be a good stewardess over my credit..I've gone from 473 to 557 to 597 on EQ in a matter of 2 mos..trying to keep climbing.

(thanks a bunch))

[Anonymous]

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@Anonymous wrote:

I had an emergency this weekend and had to use my cc's. I maxed out both of them. I'm gonna pay them both off on Friday, will this effect my score if I just maxed them out and paying so soon? Please advise, I'm in the dumps about this.

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It never hurts to pay so soon.  And, as other posters have commented, if you pay before the statement posts you're golden.

High utility reporting for only a month means your score will only be "hit" for that month - until you report your zero or low balance again.  But, creditors who soft you during that month may be alarmed at the utilization and take AA - always a possibility.  So, if you can pay before statements hit, it's always best.

Congrats on your good work and your score climb!