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Why so Low???

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KeithW
Frequent Contributor

Re: Why so Low???

Nope. Just that 30 day late with Ford.

EQ671 TU673 EX662
Message 11 of 13
Anonymous
Not applicable

Re: Why so Low???

That's great! I woukd definitely send for a goodwill letter.

Message 12 of 13
Anonymous
Not applicable

Re: Why so Low???

I would suggest that 77% utilization is "poor" and that anything other than perfect payment history is also "poor" when it comes to FICO scoring.  Getting rid of the 30 day late and taking that 77% utilization down to the ideal range combined would raise scores 100+ points.

 

If you only have that lone 30 day late, your chances of removal are very high.  Is the account still open or closed? 

Message 13 of 13
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