These are my scores: 666-Transunion 627-Equifax 638-Experian Since I have obtained these scores, I have had 1 new credit card account added w/ a limit $200 and maybe two inquiries. I usually pay my one credit card acct that I have off monthly in full which only has a limit of $300. I only have a credit history of eight months. I am not in the financial position to pay off my credit card in full this month. If I only pay my minimum payment and I don't pay my full balance off this month and my balance is $280, how bad will this hurt my scores? Needless to say I don't want to set my self back with climbing the credit ladder...
Letting an account post with 93% utility is going to tank your scores, most likely. However, it only lasts as long as that balance is reporting, so your score will recover when you pay it down and the statement with a low balance cuts and reports.
