Some of you were asking me to update when the loan hit my files. Here it is. Personal loan of 7500 is showing on my ex. And EQ as 60 months balance of 12,999. It has not hit my TU report yet. Ex. Went from 645 to 642. TU unchanged ,no report yet. EQ went from 768 to 715. I feel the pain on that one. Last week I gained 103 points and now lost half of it. This is all from my alerts today from myfico. It's saying my debit to credit ratio is 91% . Another thing will be added to my reports in next few days when discover reports. It's a 1000 CRI. So two questions. Will the CLI help my debit to credit ratio at all and give me some points? And with months going by paying this loan on time. Will it also raise my score? And how long till I recover over this? Thank you
