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cmyerssurf wrote:
Hi guys and gals, i am pretty clear on what i need to do to get my score up, so i payed down my cards from 98% to 73% just 3 weeks ago and i just checked it and my score only went up 5 points! I was thinking i whould get around a 20 point increase and that is what the simulator said as well. Also my recent credit inquiry section went from bad to good and it still only rose 5 points. I am only at a 648. At what benchmarks in utilization, does the score change? like every 5% or something? or is it more like 51-75% 35-50% 10-35%?? I have no collections, no lates, i guess i am just credit young at 6 years, and my utilization is high. Also What score will i need to get a decent rate at? 60 mo new car. 685, 700. Last time i got a new car loan i had a 723 so i got the best rate and that is all i want now. From what i understand i need a 720 to get top rates like 0% apr from manufacturers. am i right?
@Anonymous wrote:Oh yeah another note my scores were NOT updating on my score watch i had to actaully purchase a report to get an update, kinda crappy considering paying for it every month.
Message Edited by cmyerssurf on 03-10-2008 05:31 PM
cmyerssurf wrote:Hi guys and gals, i am pretty clear on what i need to do to get my score up, so i payed down my cards from 98% to 73% just 3 weeks ago and i just checked it and my score only went up 5 points! I was thinking i whould get around a 20 point increase and that is what the simulator said as well.