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My score dropped 100 points. How do i fix this quick

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Super Contributor

Re: My score dropped 100 points. How do i fix this quick

+1 to the above posts. Please take our advice. Just pay the debts down. Its that simple. Get a part time job to help.. Its a ABC thing. You owe you pay. You got enough debt. You dont buy points. You earn points. Thats all I'll say on that subject. Time to put your foot down. Dont use any cards at all and pay your debts down. You want to throw $ away to what you said. Donate it to your debts or a local charity. Good Luck!

My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 11 of 12
Valued Contributor

Re: My score dropped 100 points. How do i fix this quick

Sorry for jacking the thread, but this was an amazing breakdown. I had NEVER seen the utilization threshold list before that is pretty cool. I am in the midst of a massive revolver pay down now...trying to avoid balance chasing, but doing what is necessary to get this debt off of my back while I have the extra income. I am using a snowball/avalanche approach ($2400 plus bonuses) because my cards with the lowest balances also have the highest interest. Its nice to have a few lower balances, so I can see my progress. My paydown below: 

Jan - Amazon 540/580 (balanced chased from 700) 

Jan - Victorias Secret 800/900 (lowered CL from 1000) 

Feb - Macys 800/800 (balanced chased from 2000)

Feb - Mercury MC 1400/1500 (no AA yet, formerly the switch may have been?) 

Feb - Target 2000/2100 (no AA yet- they actually increased from 1700 while others were AA) 

Feb - Chase Freedom 3400/3500 (no AA yet) 

Mar - Amex Blue 4900/5000 (no AA yet) 

May - Pepco Visa 5900/6000 (no AA yet) 

Aug - Cap1 Visa 7700/7750 (no AA yet) 

Dec - NFCU Visa 18000/20000 (didn't reissue card when expired then closed account) 

Feb 2020 - Nov - NavCheck 14800/15000 (no AA yet) 

Mar 2020 - PSECU Visa 15500/15000 (sent a letter to ask why my CS was dropping) 


See OP, you aren't that bad off yet....I was shopping for a mortgage with all cards maxed. UGH! 

You got this!!!!





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Message 12 of 12
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