Hello all, a quick question...Do you have to use the card for it to count against utilization? I see my new Juny acct on EQ but no change in score. With Capital One not reporting limits, this represents a huge increase in available credit. I thought that having additional credit available would be beneficial to my score?
Hello all, a quick question...Do you have to use the card for it to count against utilization? I see my new Juny acct on EQ but no change in score. With Capital One not reporting limits, this represents a huge increase in available credit. I thought that having additional credit available would be beneficial to my score?
Any thoughts?
It is very possible that you were maxed out on what you get for uti. What was your uti before Junny reported? What about after. The thing is the new account may have offset the gain,.
I had $0 on an orchard bank with $300 limit and 245 on cap 1 with no limit reporting high bal (475). So it was showing as really high utilization before. I thought that this new Juny card with a $3000 woul help my score. I haven't received the card yet it's just on my report. Could that be why it didn't count?
I had $0 on an orchard bank with $300 limit and 245 on cap 1 with no limit reporting high bal (475). So it was showing as really high utilization before. I thought that this new Juny card with a $3000 woul help my score. I haven't received the card yet it's just on my report. Could that be why it didn't count?
Thanks Brammy!
Most definitely should have been an improvement since you were just over 30% using the high balance on the Cap1. Do you mean you havent gotten a scorewatch alert or have you just pulled a new report and score? Is the Junny reporting the limit?
Well , since I paid $90 for score watch I refuse to click that "Buy today's score" button for EQ. I see Juny on TC showing the limit under EQ but no alert. Could it just be that SW is defective?
Did you get the scorewatch saying the new account was on EQ? If not it can take a couple of days. You should be notified of te increase if you have your alerts tweaked to give you notice anytime it varies from you current score
Just slow reporting I guess. I appd LATE sat. By the time I appd wasn't instant and didn't even show up online til Monday or tues. guess i apped right in the middle of the orama
