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Finally - Cap1 new bill is about to generate

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Duncanrr
Valued Contributor

Finally - Cap1 new bill is about to generate

Last month I got killed with a 90% utilization reporting on my Cap1 card.  Tomorrow my new statement finally generates.  I'll have a ZERO balance Smiley Happy  I dropped like 40 points from this last month and I'm hoping to regain most of them back (had some new accounts also hit so not sure how much was from UTIL vs. new accounts).  I'll update yall in a couple days after it reports to EQ (should have SW alert by Friday).  Then I have to wait till Nov for 5 years post last 90 day late.  Then in Dec it will be 2 years since last 30 day late on another account and my Cap1 and WF secured cards will be 6 months old.

 

I should have some nice positive gains in the next 45 days.  Still trying to GW Verizon but not holding breath.  Im pretty much done with SM accounts and that only leaves my Cap1 auto which will probably be there for a long time to come.  (1 year anniversary since last late will be March 2013 Smiley Sad  )



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750

Take the FICO Fitness Challenge
Message 1 of 5
4 REPLIES 4
Shogun
Moderator Emeritus

Re: Finally - Cap1 new bill is about to generate

You're still kicking it hard!!!  Keep going buddy!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 5
madmann26
Valued Contributor

Re: Finally - Cap1 new bill is about to generate

Hopefully your 'drapping' didn't cause any heartburn.

Current FICO 9 Scores



Message 3 of 5
Duncanrr
Valued Contributor

Re: Finally - Cap1 new bill is about to generate

I only lost 0.2 off my AAoA with my app spree.  I got 5 new accounts but two of them are backdated to 1993.  My AAoA prior to spree was 10.1 and now its 9.9 with 30 accounts.  I'll be golden once the initial hit clears.  It was the utilization that really hurt.  90% on one card is very bad (thank you Hurricane Isaac).



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750

Take the FICO Fitness Challenge
Message 4 of 5
madmann26
Valued Contributor

Re: Finally - Cap1 new bill is about to generate

it is, but in times of need that is why we have credit. I've learned the hard way about how to treat credit.

Current FICO 9 Scores



Message 5 of 5
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