@Anonymous wrote:
@Anonymous wrote:
Fixing your scores (getting them to improve) is as simple as fixing your utilization. Looking at your list above, you have some major opportunities there. Once you take care of those balances, you'll be much happier with your FICO scores.
Yes. But when i started looking at my score, it was around the 630 that it is in and my utilization was much higher. I had close to 90% utilization before i decided to fix my score. The highest it's been was 670 and now back to 630, despite utilization going down, no negative account, 100% on time payments..etc. The one thing i changed after reading the replies here is that im lowering one card that had a 95% utilization. I lowered it to 80% yesterday. Curious to see how much it affects my score..
You mention your "score" frequently and mention Credit Sesame and Capital One as some of your sources for the score throughout this thread.
Just remember that those scores are completely worthless. Focus solely on your genuine FICO scores. (Karma is a valuable tool for pulling reports, however, so be sure to keep it.)
What I encourage you to do is just trust us on this. Pay your cards down and your (FICO) score will begin to improve. First get all cards at under 87%, then all cards at 67%, then all cards at 47%, then use whatever approach works best for you to pay off all of your existing CC debt.
Your wallet will also improve when you stop paying high interest cards. With all the CC debt paid off you can begin pushing a lot of that money into savings, which will protect you in the event of emergencies. (You can also use it for retirement -- retirement will be very costly 20-30 years from now.)
