So I was AZEO for four months after finding this group. Before, I'd just been paying on time for 3 years with scores gradually rising- but not close to 700 like I had with azeo. I didn't now better, ho early.
I had had med issues/job 3-4 years ago and this caused bad credit issues. See scores, below.
So two weeks ago, got a call about an old bill from a CA from those times. Luckily, I called the creditor directly AND had the credit ability to pay across 3 cards- the largest being care credit (90 percent but not maxed out).
Now, I KNEW my credit would drop... but emotionally I'm pretty bummed it's 20 points. It'll be paid and back to azeo in 1-2 months depending on how things hit and when they report.
Just letting y'all know that utilization is a huge part of FICO while also venting and saying the struggle is real. And it kinda sux being reminded of lower scores since I definitely never want to go back to the dark days again.
thx in advance for the advice here and reading
12/22 : 
@Suzette2 wrote:So I was AZEO for four months after finding this group. Before, I'd just been paying on time for 3 years with scores gradually rising- but not close to 700 like I had with azeo. I didn't now better, ho early.
I had had med issues/job 3-4 years ago and this caused bad credit issues. See scores, below.
So two weeks ago, got a call about an old bill from a CA from those times. Luckily, I called the creditor directly AND had the credit ability to pay across 3 cards- the largest being care credit (90 percent but not maxed out).
Now, I KNEW my credit would drop... but emotionally I'm pretty bummed it's 20 points. It'll be paid and back to azeo in 1-2 months depending on how things hit and when they report.
Just letting y'all know that utilization is a huge part of FICO while also venting and saying the struggle is real. And it kinda sux being reminded of lower scores since I definitely never want to go back to the dark days again.
thx in advance for the advice here and reading
Thankfully you'll be back on an even keel in a month or two.
BTW, 90% is considered maxed.
