Hello everyone,
I have been working with my credit report for almost an entire year, disputing negative information and making sure I develop responsible credit behaviors since me and my husband file bankruptcy almost 3 years early. I have not been late on any bill in 3 years. I fought to get a credit score of 650 and I had achieved a 654 at one point. Now, for the last 2 months my score dropped between 30-38 points. I dread looking at my email because it always says change in score, down 7 points, then down 14 points and so on. I was told because I have high balances. I have paid my cards down, but overall I am at 60% util.
Is there anything else I can do? I just received to credit increases, bt it will not post until April. Will this help any?
Frustrated
Looking for the 700 club; any room for new members?
I have been working with my credit report for almost an entire year, disputing negative information and making sure I develop responsible credit behaviors since me and my husband file bankruptcy almost 3 years early. I have not been late on any bill in 3 years. I fought to get a credit score of 650 and I had achieved a 654 at one point. Now, for the last 2 months my score dropped between 30-38 points. I dread looking at my email because it always says change in score, down 7 points, then down 14 points and so on. I was told because I have high balances. I have paid my cards down, but overall I am at 60% util.
Is there anything else I can do? I just received to credit increases, bt it will not post until April. Will this help any?
Frustrated
Looking for the 700 club; any room for new members?
Your 60% util is killing you. Bring it way down 1%-10% and you will see a good score jump.
juliejules wrote:
Hello everyone,
I have been working with my credit report for almost an entire year, disputing negative information and making sure I develop responsible credit behaviors since me and my husband file bankruptcy almost 3 years early. I have not been late on any bill in 3 years. I fought to get a credit score of 650 and I had achieved a 654 at one point. Now, for the last 2 months my score dropped between 30-38 points. I dread looking at my email because it always says change in score, down 7 points, then down 14 points and so on. I was told because I have high balances. I have paid my cards down, but overall I am at 60% util.
Is there anything else I can do? I just received to credit increases, bt it will not post until April. Will this help any?
Frustrated
Looking for the 700 club; any room for new members?
