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[dfitzg]

OK i missed my car payment once n got a 30 day 2 months ago which pulled my scores down into the 500's

Here All My Accounts Balances and Limits :

Cap 1 -  $1525 / $1550

Macy's - $1097 / $1200

Cap 1 - $555 / $750

Chase - $673 / $700

Cap1 - $487 / $500

Target - $0 / $500 

Cap 1 - $350 / $300 

Web Bank - Gettington - $0 / $1850 

Cap 1 - $200 / $225

Kays - $2.34 / $1200 

Personal Loan - $1700 (Just Opened) 

Car Loan - $ 10,000 Balance 1.5 Years Old 

Trying to come up with a plan of action go get my scores back up. 

I know my util on most of the cards are high trying to pay them all down one by one. Any Recommendations ????

[Epcot]

Are you over your CL on your Capital One card? $350/300

Sorry to hear about your late payment, are you back on time? I would try to GW that one. But best way to get your scores back up is to pay down your debt. Seems alot of your cards are over 90% util.

[dfitzg]

Yes thats going down with this months payment the annual fee hit wasnt paying attention ... been a rough couple of months lol 

Just trying to find a good way to gt my scores back up now.

[sphinx313]

Best thing for you right now would be debt consolidation or just focusing more on your debt rather than your scores. You have the unique position where focusing on your debt will increase your credit score while you only actually focus on one thing instead of worrying about two.

Your course of action right now should be lining all of your cards up by highest balance/highest interest and pay as much on those as possible while minimum paying any of the good interest rate cards. As soon as you get one paid off, apply that payment to the next one in line along with it's normal payment. As you snowball this payment, you'll get to the point where you're paying off a card a month because you have so much in reserves.

Good luck with this, and if you'd like any assistance lining this up, just list your interest rates and minimum monthly payments if you're comfortable and we can get you to the point where you're saving money interest wise and paying those cards down faster than you know it.

[rootpooty]

I wouldnt be worried about my scores right now if I were you.  Your sitting at about 55% util right now.  Out of all the accounts you have I can see Chase shut you down just because whats on paper.

Second, who is the auto loan through?  How many days past due were you after the due date?

[dfitzg]

thanks for your replies ..... i am in the process of getting the higher balances paid off with the "snowball" procedure.... just had a rough 5 months here so im just now able to pay more than minimums ..... 

what do you mean by chase shut me down ???

also the auto loan is through florida central credit union ..... and it was exactly 31 days past the due date