@haulingthescoreup wrote:
I would be flat-out astonished if lenders didn't see the displayed balances.
Why else would they be there?
I used 12 lines to say the exact same thing 
!
Actually you used two lines to say it much more eloquently 
.
@CreditAble wrote:
@haulingthescoreup wrote:
I would be flat-out astonished if lenders didn't see the displayed balances.
Why else would they be there?
I used 12 lines to say the exact same thing
Actually you used two lines to say it much more eloquently
That's probably one of the many reasons why Hauling is a Mod. 
@Odiseous wrote:
@CreditAble wrote:
@haulingthescoreup wrote:
I would be flat-out astonished if lenders didn't see the displayed balances.
Why else would they be there?
I used 12 lines to say the exact same thing
Actually you used two lines to say it much more eloquently
That's probably one of the many reasons why Hauling is a Mod.
Don't know about that, but it's definitely one of the half-dozen times that I took fewer words to say something than anyone else here.
@haulingthescoreup wrote:Don't know about that, but it's definitely one of the half-dozen times that I took fewer words to say something than anyone else here.
I must respectfully disagree with this. This might be the first time ever.
From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782
"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".
@MarineVietVet wrote:
@haulingthescoreup wrote:Don't know about that, but it's definitely one of the half-dozen times that I took fewer words to say something than anyone else here.
I must respectfully disagree with this. This might be the first time ever.
Oh, phlbbbttt!
@MarcinXP wrote:Hmm..good question. I think that the companies look at your utilization now and of course FICO won't remember previous utilization at all so you're good there. Now the report will show up High Balance and Credit Limit...of course that might look weird since you're high balance will be $1,800 and limit is only a $1000..but that does not neccessarily mean that you went over it...it could also mean that the bank lowered your limit at some point so I think you're also safe there. Unless you are apping for a card from the same bank I don't think you should have any issues. My question is what kind of a card allows you to go almost double over the limit
..LOL
Yeah, I think you're safe as well. I've only had two credit cards in my life, and for most of that time the reporting high balance was more than the limits on either card. One card was because of a CLD (at my request, but there's no indication of that on my report). I'm not sure about the reason for the other card: to my recollection I've never been over my limit, but there was a time when I used to pay interest, so it might have gotten out of hand once.
Regardless of the reasons behind the high balance/limit discrepency, it did not prevent me from getting a mortgage in 2009. During the Good Faith Estimate, the banker did tell me that my util was hurting my score, and that was due to the util *at the time of the pull.* He did not know my previous usage habits. Once you get your util back down, I think it'll be fine.
jonmyers