ok so heres what I am working on now :-) My utilization I think its called. If i was to remove myself as AU on 2 of my husbands card and the other AU that is a CO and keep my 2 cards ( use and pay off by statemnt date) at 0.00 would that be the smartest thing for me to do and also pay off the 2 judgements I have. OR... stay on Hubby's CC as AU and just keep dropping the balances? I have a mortage on my account that is from 7/2001 but it was forclosed upon during my divorce to previous husband.
I think you are going to say it would be wise to remove my self of my hubbys 2 cards until we drop the balance then add back on later. This will at least help me for now. Right???
Date Opened | NOW | | JAN | | | | | |
| $1,360.00 | My judgment | $1,360.00 | My judgment | $1,360.00 | My judgment | $1,360.00 | My judgment |
| $1,363.00 | My judgment | $1,363.00 | My judgment | $1,363.00 | My judgment | $1,363.00 | My judgment |
February-08 | $9,287.00 | AU/CO | $9,287.00 | AU/CO | $0.00 | AU/CO | $0.00 | AU/CO |
October-12 | $491.00 | cap 1 | $0.00 | cap 1 | $491.00 | cap 1 | $0.00 | cap 1 |
March-12 | $276.00 | orchard bank | $0.00 | orchard bank | $276.00 | orchard bank | $0.00 | orchard bank |
November-05 | $8,739.00 | hubby/AU | $8,489.30 | hubby/AU | $0.00 | hubby/AU | $0.00 | hubby/AU |
June-03 | $6,605.00 | hubby/AU | $6,105.55 | hubby/AU | $0.00 | hubby/AU | $0.00 | hubby/AU |
| $28,121.00 | | $26,604.85 | | $3,490.00 | | $2,723.00 | |
From MI.
12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)
Myfico 8 scores
6/12/20 TU 803 ~ EQ 814~ Ex 784
My Wallet: Cap1 3,500K ~FH 2950~Credit One 1750~Credit one #2 1250~Orchard Bank 400 ~NFCU nRewards 18,000~NFCU Cash Rewards 18,500 ~Care Credit 12000~Discover 6000~Lowes 5450~ Amex 5400.00 ~ Harvest King 8000 ~ Langley~Penfed~Service CRU~red stone cru~
UTL 17%
