I just now realize how important and critical proper utilization is...
As of 8/8, My TU report showed the following open accounts:
1st amt = bal, 2nd amt = CL
HSBC 198/300 (66% util)
HSBC 100/300 (33% util)
I checked my True Credit report last night and noticed that my recent payments had posted. I ran my TU MyFico score and it went up 14 points!!!
Current info:
HSBC 4/300 (<1% util)
HSBC 0/300 (0% util)
I'm so excited! Thanks to all of you on here that have offered such helpful and supportive advice!! I started with a TU score of 555 on May 1st and now i'm up to 630! I've sent a ton of letters and followed up with my disputes. These forums are the best!!!
THANK YOU THANK YOU THANK YOU!!!
