Neat, Sylviatob! I have had a similar mental catharasis. My FICO was in the low 600's about a year and a half ago, and I sat with an overall %util of over 80%. I was oblivious to this forum, and ONLY started to pay down my CC debt because of the absurd $200 a month I was paying just in interest. Then, in my stupid state of non-FICO knowledge, I had the bright idea..... Just get a new card, and I will have new credit, and more to put into the stripper's garter! WRONG! Denied for low FICO. What in the hell is a FICO, I pondered?
Then I began to learn about credit, mainly from the painful facts I read on this site. I now have a 6% util, and a FICO of 729.
The strippers may be a little poorer, but sometimes sleeping happily and content alone is better than sleeping in a bed of thorns.
A FICO Score Watch need not come over the itnernet.
Message Edited by RobertEG on
04-14-2008 08:52 PM