Good morning. First and foremost, thank you all for what you do... spreading information to help people is amazing to see. With that being said, long time reader, first time poster. Last year, my wife lost her job due to COVID and I have been stuck paying our credit cards on my own. We have luckily not missed payments like some (unluckier) people we know... but its still taken a toll on my scores -- previously was around 750~ on all 3 major bureaus. I think my general understanding on how to rebuild from here would be to simply pay down my utilization, but I figured I'd ask if anyone had ANY tips or tricks that may help with this process. See below for a snapshot:
EX 627
TU 618
EQ 624
Credit Limit: 75,540
Credit Used: 49,974
Utilization: 66%
Accounts ever late: 0
Open accounts: 8
Collections: 0
Charge offs: 0
Inquiries: 2 (1/21, 2/21)
Average account age: 7.8 years
As previously mentioned, other than paying off my cards, are there any tricks you intelligent people would suggest?
