I'm itching to app for a new card! But patience is a virtue! Waiting til EOM as my util will drop from 37% to under 20%. This should help my score increase i think? I have collections that i've PIF'd for $47, $111, and $366 but aren't all showing a $0 balance yet. only 1 30 day late payment. Waiting patiently so I can start building again. I have Chase Freedom $2k - $480 balance, Wells Fargo Plat. $1.8K - $17 balance, Nordstrom $2.5k - $0 balance, Macy's $1k - $0 balance, Jared $4k - $2885 balance.
Current Scores below.
