No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
I feel they should be going up much more than this! Also the usage shows high despite available credit because of my Gma's Discover I am authorized on that has a 0$ balance.
It has been 3 months, You are averaging 60 point increase. That is not terrible. That is pretty good.
@Anonymous wrote:It has been 3 months, You are averaging 60 point increase. That is not terrible. That is pretty good.
Exactly this. You're doing very well -- especially considering you have a dirty report. Keep doing what you're doing and try to be patient (i know it's hard).
I agree you have 11 lates reporting and still have a decent score it could be so much worst.
Util isnt helping. You need to get below 8.99% aggregate util. 26% in rebuilding mode isnt the greatest thing to do. Also all cards should be the same as individuals at less than 8.99% reporting. Your doing fine. Get the util down for more points.
@FireMedic1 wrote:Util isnt helping. You need to get below 8.99% aggregate util. 26% in rebuilding mode isnt the greatest thing to do. Also all cards should be the same as individuals at less than 8.99% reporting. Your doing fine. Get the util down for more points.
I agree but don't understand how they are at 26% utilization with 464 total debt of 27K, am I missing something there??
@Jnbmom wrote:
@FireMedic1 wrote:Util isnt helping. You need to get below 8.99% aggregate util. 26% in rebuilding mode isnt the greatest thing to do. Also all cards should be the same as individuals at less than 8.99% reporting. Your doing fine. Get the util down for more points.
I agree but don't understand how they are at 26% utilization with 464 total debt of 27K, am I missing something there??
I saw that. Maybe some things we dont know about like outstanding charge offs?