Tips to bump up score little bit

[Anonymous]

UPDATE:

So with this simulator from iQualifier, 0 balance on all cards is DEFINITELY the worst.

Depending how I jigger it, showing just a balance on 1 or 2 is a definite boost -- slight but there.

This awful old LO refused to remove the inquiry and continued to argue in email saying "there's NO WAY this inquiry impacted your FICO." Even after I explained that he waited 2 months and did a hard pull out of the blue.

Steams me.

My new LO is very cognizant of pulls and told me she is not pulling anything until she needs to. Probably not until right before closing.

[NRB525]

Thanks for the updates. Good to hear you are finding a better lending officer.

And regarding FP and Credit One, I'm sure if you found yourself with a zero balance at the end of a statement period, you could call them up and ask them if they could charge you a $5 "Zero Balance Fee" to get that to report on the statement. From what I hear, about all the fees they charge, they probably have something like that

But seriously, good luck with the funding, hopefully the small balances reporting help out your score.

[Anonymous]

LOLOL! So true.

I'm in CC H-bleep but one day I will be out of it.