Trying to maximize the most point increase I can g... - myFICO® Forums

Kartel34 · ‎02-09-2013

I have a Collection account that is scheduled to be deleted this month do to PFD. I also have the ability to pay my cc debt down from 65% to 9%. Should I wait until the collection is deleted.then pay down my debt the following month?. Or it doesn't matter either way?

i know besides paying another month in interest ,but if I can get a few extra points increase it might be worth it.

guiness56 · ‎02-09-2013

The sooner you pay down the CC utilization, the sooner your score will go up. I would do that now.

Credit Scoring 101
Guide to Common Abbreviations
Other Frequently Requested Threads
Closing Credit Cards
Direct Dispute

Shogun · ‎02-09-2013

+1

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.

NewbieReed · ‎02-09-2013

@guiness56 wrote:
The sooner you pay down the CC utilization, the sooner your score will go up. I would do that now.

+1 Get that util down

Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
Current Score: 705 FICO TU (10/2014)Take the FICO Fitness Challenge

Trying to maximize the most point increase I can get

Trying to maximize the most point increase I can get

Re: Trying to maximize the most point increase I can get

Re: Trying to maximize the most point increase I can get

Re: Trying to maximize the most point increase I can get

Trying to maximize the most point increase I can get

Get your FICO® Score for free

Trying to maximize the most point increase I can get

Re: Trying to maximize the most point increase I can get

Re: Trying to maximize the most point increase I can get

Re: Trying to maximize the most point increase I can get

Get your FICO Score for free