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B/L ratio and effect on score

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Kforce
Valued Contributor

Re: B/L ratio and effect on score

Your numbers are good.

Stick to the plan

 

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Message 11 of 12
Snook_on_the_Line
Established Contributor

Re: B/L ratio and effect on score


@Kforce wrote:

Your numbers are good.

Stick to the plan

 

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Yea I've worked them a couple different ways

and I think this is the best for both my wallet and my scores

 

The final part of my plan is to put some money in my Penfed savings at payment #16 and take an ssl loan out thirty days later and pay it right down to 8% and transfer the 92% back into my HYSA 

 

that way by the time the student loan reports as pif I'll have the ssl reporting at 8%

im hoping by that time I'll be at my goal score of 800.   

5% Gas: Citi Custom Cash 9.4k
5% Amazon: Chase Prime VS 15k
3% grocery and streaming: Cap1 Savor 2500
2% catch all: NFCU CashRewards+ 13k, USB Smartly 2k
Sock Drawer: Jovia Elite 25k, Suncoast CU 20k, Lowe’s 35k,
Barclays AAdvantage Aviator Red 3k, CreditOne 1k



^^^Fico8 scores as of Dec ‘24
Total Revolving CL: $126,900


Message 12 of 12
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