Yall,
I slipped up, i used my credit card and got my balance up high. I got weak and forgot all about my utilization. It reported the new amount to the credit agencies and my score slipped 7 points. BUT the good thing is that i will be able to pay the Whole balance off at the end of the month, so it will boost me score up even higher, and after it does...........IM PUTTING THE CREDIT CARDS IN THE DRAWER!!!!!!!!!!!!!
We all fall down. The most important thing is that we get back up.
Starting Score (2/2010): TU-767, EQ-745
You can still use your cc's. Just PIF them before the "close date" not the due date, and don't use them again until they report on your CR, then PIF again before the close date. It should always report as $0 bal. 