Topics with Label: credit utilization

myFICO® Forums

Paying 30% Off Debt How Many Points

by on Latest post on by

5 Replies 461 Views

5 Replies

461 Views

Authorized User Wants Out...I think??

by on Latest post on by

9 Replies 683 Views

9 Replies

683 Views

How to raise credit score fastest!?

by on Latest post on by

14 Replies 867 Views

14 Replies

867 Views

Don't know what to pay off first for better credit...

by on Latest post on by

14 Replies 1602 Views

14 Replies

1602 Views

Labels

0 1
1037 1
1099-C 2
18 2
180 day grace period 1
19 1
19 year old 1
30 day 1
30 day late 1
524 Rule 1
700 club 3
800 4
850 FICO 1
AAFES 1
AAOA 9
Aaron's 1
access checks 1
Account 1
account closed 1
account clouser 1
Account Number 1
address 2
address change 2
adverse accounts 1
Advice 6
advice needed 3
affirm 1
age 2
age Credit closing card 2
Alaska airlines Bank of America 1
alert 1
alerts 6
Alias 1
alien 1
Alliant 3
ally 1
Ally Financial 1
amazon 2
Amazon Prime Rewards Visa Signature 1
amazon store card 2
Amazon Synchrony 1
American Express 10
american express platinum 1
amex 12
Amex 3xCLI 2
amex affecting fico score 1
AMEX APPROVAL BANKRUPTCY 1
AMEX BCE 1
Amex Blue Cash Everyday 2
Amex Blue Cash Preferred 1
AMEX cards 1
Amex Cash Magnet 1
Amex Cli 1
Amex credit increase revolvers 1
Amex Delta sky miles 1
Amex Gold 3
AMEX loan 1
amex platinum 2
amount you owe 1
and etc 1
Angry and Frustrated Scores dropped 1
annual credit report 2
annual fee 1
AOD FCU 1
apartment 1
Apartment Renting 7
app 3
App Spree 50
App spree Approvals Gardening 2
Apple 2
Application 3
Application approval 2
Application Help 1
application rules 1
Applications 2
applying 2
approval 5
Approval odds 6
Approvals 3
Approved 2
approved cli 1
APR 5
APR CLI 1
APR PLOC 1
arbitration 1
Arrival 1
assessed fees 1
AT&T 1
att 2
AU 5
AU anti-abuse 1
Authorized User 39
Authorized user is filing for BK 1
Authorized User. SSL. Auto Loan. 1
Auto CLI 1
Auto lease 3
Auto Lending 2
Auto Loan 15
auto loans 4
Auto purchase 4
Auto refinance 5
Auto repo 1
Auto-generated applications 1
automotive 1
Autopay 1
AZEO 9
Backdoor 1
Backdoor number for Recon 1
bad credit 2
balance 6
Balance Reporting 1
balance tracking 1
Balance Transfer 42
bank cards 1
Bank of America 10
bank trust 1
Bankcrupties Credit 1
Banking 16
Banking relationship 1
Bankruptcy 24
Bankruptcy and Credit Cards 2
Bankruptcy Chapter 7 4
Bankruptcy. Fico score 1
banks 2
banrupcty 1
Barclay Card 1
barclaycard 1
Barclays 3
BB&T Spectrum Cash Rewards 1
BBVA 1
BBVA Compass 1
BCA FINANCIAL SERVICES 1
best buy visa 1
Best Buy Visa Citi 1
Best Egg 2
BEST LINES OF CREDIT 1
bill 3
bill pay 1
billing cycle 1
billing error 1
bk 2
Bk 13 1
Black Market Surveillance 1
BMW 1
BOA 6
BOA Travel Rewards Approved 2
BofA 4
boost 2
boost score 1
Brokerage Account 1
Budgeting 5
build credit 2
Building 2
building credit 10
bureau 1
Bureau reporting 3
Bureaus not reporting credit lines 4
business credit 1
business line of credit 1
Calculation 1
cancel credit check total 1
Cap 1 3
Cap One 6
cap1 3
Capital One 25
Capital One CLI 1
Capital one QS 1
capone 1
CapOne Platinum 1
car 4
Car buying 1
Car Insurance 1
Car Loan 8
car note 1
Card 3
Card Acquisition Risk Score 1
cards 4
Care Credit 2
Care Credit CLI 1
Carrying high balance 1
CARS 2
cash 1
cashback 1
casino 1
casino credit 1
CB 1
CB reporting 2
CBR 1
cc 3
Cc charge off 1
CC Utilization 3
ccredit cards 1
Cct 9
Certified mail 1
CFA 3
cfpb 3
chapter 7 2
charge card 1
charge cards 1
charge off 15
Charge offs 9
Charge-off 5
Chargeoff 1
chargeoff paid 1
Charges 2
Chase 23
Chase Amazon 1
Chase Approval 1
Chase bank 1
Chase card help needed!!! 1
chase freedom 2
Chase Freedom Unlimited 1
Chase Sapphire Preferred 1
Chase Sapphire Preferred 30 day Message 1
Chase Sapphire Reserve 1
Checking 2
checking accounts 2
checking line of credit 1
checking plus 1
Chevrolet 1
Chexsystem EWS Credit 1
child support 1
Child Support Score Reporting 2
citi 3
Citi AAdvantage 1
Citi Best Buy 1
Citi Diamond 1
Citi Website 1
Citibank 5
Citizens bank 1
citizens one 1
Civil Judgement 1
cli 3
CLI Capital One 3
cli discover approved 1
CLI increase 2
CLI Synchrony 1
CLIs 3
cloc 2
Close 1
closed 1
closed account 1
closed accounts 6
closed credit card 6
Closing 1
closing accounts 1
closing cards 2
closing credit accounts 1
CO 2
CO account 1
Co-sign 3
Collecting 3
collection 9
collection account 6
Collection Agency 21
collection falsely reported 2
Collection Letter 3
collection removal 1
Collection reported in error 3
collection reporting 1
collections 32
Collections agency 1
Collections HELP 18
Collector verify debt letter 1
collectors 1
college 1
comcast 1
Comcast collection 1
Comenity 4
Comenity Bank 1
comparison 1
Complaint 5
consolidation loan 3
consumer complaint 1
consumer finance 4
Consumer statement 2
Contacting current creditors 1
convenience checks 1
Convergent 1
Corrections 1
cosign 1
Costco Anywhere Visa 1
Court 1
COVID-19 1
Cra 6
cra reporting 3
CRA's 3
credit 50
Credit & loan qualification 193
Credit age 2
credit alert 2
Credit application 2
Credit applications 1
Credit Approval 32
credit approvals 3
credit builder loan 2
credit building 7
Credit bureau 35
Credit Bureau Policy Changes 9
Credit bureau reporting 8
Credit Bureau Score Cards 2
Credit bureaus 10
Credit Card 98
Credit card applications 6
Credit card applications credit cards 4
credit card approval 2
credit card approvals 1
Credit card car 1
Credit card closed 2
Credit Card Consolidation 7
credit card debt 6
Credit Card Dec 2
Credit card denial 1
Credit card networks 1
credit card offers 2
credit card payment 2
credit card payments 5
Credit Card Payments to CR 3
credit card reporting 1
credit card reporting collections close account 1
Credit Card Rewards 2
credit card utilization 3
credit cards 25
Credit Check 3
credit check total 8
credit check total reviews 1
credit check total scam 1
credit checks 3
credit counseling 2
credit denials 2
credit disputes 5
credit diversity 1
credit drop 2
Credit education 106
credit file 3
Credit Fraud 12
Credit freeze 7
credit help 1
credit history 7
Credit improvement 3
credit improvements 1
Credit in the News 3
credit increase 1
credit increase request 1
Credit inquiries 3
credit journey 1
credit karma 12
credit knowledge 1
Credit Limit 15
Credit limit increase 32
Credit line 1
credit line increase 1
Credit Line Increase. 2
Credit Line Increase. Upgrade 1
Credit Lock 2
credit management 1
credit managing 4
Credit Mistakes 3
credit mix 4
Credit monitoring 77
Credit one 1
credit one bank 1
credit one closed 1
credit plateau 1
credit problems 2
credit pull 1
Credit rebuild 17
credit rebuilding 5
Credit Repair 17
credit repair help 7
credit report 57
Credit Report investigation 10
Credit reporting 68
Credit Reporting Agency 1
credit reporting and lowering credit line for no reason that i can understand 1
credit reporting error 4
credit reports 18
Credit reports collections 8
credit repot 1
Credit requirement 1
credit score 63
Credit score decrease 5
Credit score fluctuations 9
credit score increase 1
credit scores 18
credit scores dropping 7
credit scoring 5
credit scrub 1
Credit sesame 2
Credit simulator 1
Credit Tanked 2
Credit Tracker 2
credit union 9
Credit Union Eligibility 1
credit unions 5
credit usage 1
credit utilization 4
creditcard 1
creditcards 1
CreditKarma 2
Creditor 6
creditt 1
creditwise 2
CSP 1
Customer Service 7
customer trust vs. lender trust 1
Dark web 1
Dark web monitoring 1
Data Breach 2
data furnisher 1
data point 2
dates 2
dcu 2
DCU Credit 1
dealership 1
debit card 2
debt 16
debt collection 7
debt collector 3
debt consolidation 4
debt free 2
Debt Management 298
Debt Paydown 10
debt reorganization 1
debt repayment 2
debt revived 1
debt SOL 1
Debt to Income 6
debt validation 1
deceased debt 1
decrease 1
default 1
defaults 2
Deferral 1
delete 1
Deleting court records 1
delinquency 6
Deliquent payments 3
Denial 3
denied due to many inquiries 2
Dept Credit Consolidating 1
DEROG with UTIL% 1
Derogatory 6
derogatory mark 4
Derogs 1
digital wallet 1
Dillards 1
discharge 1
discoer 1
discount 1
Discover 10
Discover balance transfer 1
DISCOVER CLI 3
Discover IT 3
Discover IT Approval 1
Discover secured 2
discrepancy 2
dispute 19
dispute process 9
Dispute threshold 1
Disputes 46
Disputing late payment 2
diverse credit profile 1
diversified consultants 1
Diversity 1
divorce 1
document 1
DOFD 7
Dog Sitting 1
Dog Walking 1
Drivetime 1
drop in experian score 1
Dropped Scores 4
DTI 7
DTI ratio 2
due date 1
due dates 1
early exclusion 4
education 1
EE 2
Elastic 1
employer 1
Employer credit pull 1
employment 1
Enhanced Recovery 1
EQ: 761 EX: 709 1
equifax 48
equifax credit freeze 1
equifax dispute 4
Equifax Fraud dispute 5
Equifax free credit freeze 2
Equifax Updating File Recycled Social Security Number 1
errors 3
estimate 1
Etc... 1
eviction 2
Excel 1
Exeprian dispute online block 1
Experian 54
Experian app score 1
Experian Boost 2
experian FICO 3
experian phone number 1
Experian. Dispute. 9
Extra Income 1
Failed to Pay 1
failure to pay 1
fair collection 1
FAKO 10
Family 1
family financing 1
FCDPA 1
fco 1
FCRA 14
FCRA violation 4
FDCPA 2
fdcpa lawsuit federal collection agency 1
FED loan 1
Federal reserve 1
Federal tax lien 1
fell 1
felloff 1
Fico 23
fico 2 1
fico 4 1
FICO 5 4 and2 2
fico 8 9
FICO announcement 34
FICO announcements 4
fico definitions 1
FICO Essentials 1B 2
FICO July 2020: Eq-626 Trans-631 Exp-614 1
fico mortgage 1
FICO Score 356
FICO Score 3B Report 5
FICO Score 9 32
FICO Score changes 684
FICO score drop 1
FICO Score Model 1
FICO Score versions 235
FICO scores 5
FICO Scoring 18
FICO Ultimate 3B 4
Fico versions 2
FICO2 1
FICO8 Bankcard 1
ficoscore 1
finance 3
Financial Review 1
financial trouble 1
financing 3
First card 1
First Mortgage 1
first premier 1
First-time home buyer 6
fix 1
fixing my credit 2
flagged account 1
flex 1
foreclosure 3
Foreclosure & Short sell 1
forums 1
Fraud 81
Fraud alert 10
fraud attempt 3
fraud dispute 3
Fraud protection 1
fraudulent 3
fraudulent account 1
free 1
free credit score 2
free FICO score 1
free score 4
free trials 1
Freeze 7
freeze credit 5
Frontline 1
Frozen and fraud alerts 3
full credit history 1
Full File Disclosure 1
Fun 1
furniture 2
Garden 1
Gardening 5
garnishment 1
GC Collections services 1
General credit 15
General Credit Topics 3
General Question 6
good credit 1
good will 1
Good Will Letter 2
goodwill letter 1
Goodwill removal 2
Google pay 1
graduate loans 1
graduation 1
great sports 1
Green Card 1
growing 1
GW letter 1
h 1
Hacked 1
hard 1
Hard inquiries 10
hard inquiry 5
hard money 1
Hard Pull 10
Hard pull inquiry 5
hard pulls 1
hardpull 1
HELOC 5
help 14
Help Boost my Credit 2
Help ME!!! 2
help with collections 3
Help! 5
high credit utilization 1
high interest 1
history 5
HOA 2
home 1
home depot 1
Home improvement 1
Home Mortgage 1
Household Income 1
housing 2
Housing Payment 1
how many cc's 1
HP 7
Hunter Warfield 1
Hutton chase 1
I hate closing points 1
IC SYSTEMS 1
identity 4
Identity fraud 14
identity guard 3
identity theft 31
idk 1
illegal 2
immigrant 1
Impact 1
impact on future FICO 1
impersonation 1
improve 1
improving credit 4
Inaccurate info on report 3
income 1
Income Verification 2
incompetency 1
incorrect 1
incorrect reporting 3
Increase 5
Increases 1
initial limits credit union usaa 1
Innovis 2
Inquiries 22
Inquiries FICO score 7
Inquiries Summary 5
inquiry 12
installment 1
installment loan 9
installment loans 1
insurance 6
intent to sue 1
interest 3
interest fee 1
interest rates 2
internet 1
invalid debt 1
investigation 1
Investing 2
iphone 1
iphone loan 1
iphone upgrade program 1
IRS 3
IRS Scams 2
Item remains 1
ITIN 1
iup 1
joint account 2
joint borrowers 1
joint credit card 1
joint mortgage 1
journey 2
JP Morgan 2
judgement 4
Judgements 1
judgment 2
junk debt 1
Kohls 1
L 1
landlord 1
Large usage 1
Last Four 4 social security debt collector call verification 1
late 1
late alerts 1
late fee drop off 1
late payment 13
late payments 11
late reporting 3
Late to the Credit Party 1
Law 2
Law suit 1
lawsuit 4
learning curve 1
lease 6
legal 4
legal action 2
legal advice 1
legal fees 1
Legal timeline to a collection agency 1
lender 2
Lenders 1
lending club 4
Length of time account have been established 2
LexingtonLaw 1
Lexis Nexis 1
LexisNexis 7
lien removal 3
liens 1
LightStream 1
limit 1
Limit increase 1
Limited credit history 2
Line of Credit 7
lines of credit 4
LN 1
loan 8
loan and credits 4
loan applications 1
Loan approval 10
Loan company sold 1
loan payoff 2
Loanbuilder 1
Loancare 1
Loans 28
LOC 2
lock credit 1
low income 1
Low Scores 3
lower 1
Macy's Amex 1
Macy's Website 1
mailers 1
manufactured spending 1
many inquiries 1
Maryland 1
mastercard 2
maxed out 1
maximum 1
medical 6
medical bill 1
medical bills 4
Medical Collection 4
Medical debt 4
Medical debt collection 4
medical debts 1
Members 1
Membership 3
method of validation 1
mf 1
Mid cycle update 3
midcycle 1
Midland 1
Military Star Card Collections 1
Missed Payment. 1
mistake 1
mix 1
money management 1
money managing 1
monitoring 3
Mortage loan 3
mortgage 21
mortgage credit 6
mortgage credit raise score 1
mortgage default 1
Mortgage History 2
mortgage loan 10
Mortgage scores 1
Mortgage Transfer 2
Multi-charge off 1
Multiple reportings 1
My Story 1
myfico 11
MyFico 3Bplus credit report experience 2
Myfico account 2
Name Change 1
name variations 1
NASDAQ 1
national consumer assistance act 1
nationwide acceptance 1
Navient 1
navy federal 1
Navy Federal approval 1
Navy Federal Credit Union 2
Navy Federal Membership 1
ndc 1
need help 1
Need loan fast 1
Negative items or DEROG 167
Negative Remarks 3
negative reporting 2
nelnet 1
never late 1
new 2
New Account 2
new accounts 1
New approvals 1
New car loan while old shows balance 1
New CLI 1
new credit 3
New credit & loan 263
New credit & loans 3
New credit card 4
new home 1
New inquiry 1
new line of credit 1
new ssn 1
new to credit 3
newbie 3
Newegg 1
next steps 1
NFCU 12
NFCU 2nd CC 1
NFCU Cash Rewards 1
NFCU CLI 1
NFCU CLOC 1
NFCU navy federal navy fed 1
NFCU shared secured loan 1
Nfcu visa platinum 2
NMAC 1
no credit 2
no credit history 2
no credit while paying family for home loan 1
No dv letter response 1
no explanation 1
no ftf 1
no hard inquiry 1
no hard pull 1
non-FICO credit scores 128
Non-FICO Scores 1
Nordstrom Visa 1
Not more than 2 payments past due 1
not reporting 2
not updating 1
nyc 1
NYSE 1
Of 1
off 1
off cycle update 2
Off-cycle update reporting Fico score improvement 2
old 1
old accounts 2
old debt 4
Old late payments 2
Online banking 3
only soft inquiry 1
Onsale 1
open 1
open credit 1
opt in 1
opt out 1
Opt-out 3
OptOut 1
Other 865
outstanding debt 1
p2p loans 2
paid 1
paid as agreed 1
paid medical debt 1
Paragraphs added.. For human consumption. 1
past due 3
past due bills 1
pay for delete 1
pay ment systems 1
pay off 1
pay off options 1
Pay-for-delete 1
paydown 2
Paying off debt 5
payment 3
payment history 6
payment method 1
payments 3
payoff 2
Paypal 5
PayPal Cashback MasterCard 1
paypal collection 2
Paypal Credit 8
pays as agreed 1
peer to peer lender 1
Pen Fed 4
Pen Fed approval 1
Pending 1
penfed 8
PenFed Auto Loan 1
PenFed Offers 1
PenFed Power Cash Rewards 1
PenFed Promise 1
Perfect Score 1
persona loan 2
personal 1
personal finance 3
Personal finance apps 13
personal lines of credit 2
Personal loan 32
personal loans 9
pfd 2
phillips & cohen 1
phillips and cohen 1
Phone 3
Planning 1
Platinum Credit Card 2
Please Help 1
PLOC 3
PLOC APR REDUCTION 1
poor credit 1
portfolio 1
Pre Approval 6
Pre-Approval 1
pre-qualified 4
Premier Financial Credit Union 1
PRG 1
primary account holder 1
Primary card holder deceased 1
Privacy 1
private loans 1
problems 1
profiles 1
Propel. 1
prosper 3
Prosper Loan 1
public records 4
Question 20
questions 1
QuickSilver 2
quicksilver one 1
quizzle vantage 1
raise score 1
raising credit score up fast 1
Ratio 1
Rausch sturm israel enerson & hornik 1
Reaffrimation 1
rebuild credit 2
Rebuilding 21
Rebuilding and application advice 1
Rebuilding credit 16
Rebuilding Credit after Bankruptcy 3
Recon 1
recovery time 1
Redcard 2
refinance 4
Refinance of Rental Property 1
refunds 2
reinsert collection 1
relationship 1
relationship terminated 1
relationships 1
Remarks 2
remodel 1
Removal 4
Removal dates 1
removal from credit report 6
removal letter 1
removal of lates due to forebearance 1
remove 2
Remove State Liens 1
removed 1
removed collection 2
removing credit accounts 1
rent 6
rental 3
rental payments 1
renting 2
repair 2
Repay 2
Report 1
report discrepancy 6
Report freeze 2
reporting 27
reporting dates 4
Reports 8
repossed vehicle 1
repossession 4
resident 1
restaurants 1
Retail cards 221
Revenue group 1
revolving credit utilization 2
revolving line of credit 2
reward cards 1
Rewards 7
Rewards cards 259
REWARDS CREDIT CARDS 1
roommate 1
rooms to go 1
Rosenthal 1
Rover 1
run 1
RV loan 2
saferwholsale 1
Sallie Mae 1
Santander auto 1
Saving 3
savings 2
savings account 2
Scam 6
scams 3
sccu 1
scheduled payment 1
score 16
Score and bankruptcy 1
score boost 1
score damage 3
score drop 7
score impact 4
Score improvement 501
Score Improvement. 8
score increase 3
Score ingredients 75
score late 1
Score updates 3
scores 8
Scores increase 3
scores updating 1
scrores 2
SCT 1
SCT - easy come...easy go!!! 1
sd 1
secure credit card 1
secured 2
secured cards 2
SECURED CREDIT CARD 8
secured loan 5
security 1
Security Breach 1
security freeze 2
security-lapse 1
see 1
self 1
Self Lender 1
selflender 1
sesame 1
sesame cash 1
set to be deleted 1
settlement 3
Share lender credit builder credit loans 1
Shellpoint 1
shopping cart 1
Shopping Cart Trick 1
Shopping Cart Trick 2018 1
simulator 5
Sleepys 1
slow to report 1
small claims 1
Small claims court 1
sms 1
sms alertts 1
social security 1
sofi 3
Sofi personal loan 3
soft inquiries 6
Soft pull 9
soft pulls 4
SOL 1
SP 2
Spark 1
split file 2
split files 2
spousal fraud 1
spreadsheet 1
SSI 1
SSL 5
SSN 6
SSN Trace report 1
Star Card 2
State Tax Lien 1
statement 5
Statement close date 2
Statements 1
statue of limitations 3
statute of limitations 2
Stock Market 1
store card 2
store cards 3
Store Credit Cards 3
Story 1
student 4
student loan 8
Student loan age of credit history 3
student loan late payment 1
Student Loan Simulator 1
student loans 12
subprime 1
subprime cards 2
subscription 1
subscriptions 1
success 1
sue 2
sued 1
Sueing 1
Suggestions for BT card 1
sunrise credit services 1
superior rental purchase 1
SYNCB 1
Synchrony 6
synchrony bank 1
synthetic identity fraud 1
T mobile 2
target 1
Target Card 3
tax 2
tax lien 2
tax refund 1
TCPA 1
Tech Issue 1
Tequila Shots 1
Texas 1
Texas Debt Verification 1
Texas Guarentee 1
Thin 1
Thin File 1
third party debt collectors 1
Time since most recent account opening is too short 1
timeline 1
Timing 1
Too many credit cards 1
too many inquiries 1
too much available credit 1
tradelines 3
trades 1
traffic ticket 1
Trans-union TU score jumping 1
transunion 26
transunion dispute 6
Transunion TU score jumping 1
Transworld Systems 2
tranunion dispute 1
Travel cards 82
Travel rewards 2
TSI 1
tu 7
TU: 777 1
Tuition 1
TX 1
types of loans to keep 1
U.S. Bank 2
Ultimate 3B 1
Ultra FICO 1
unusual behavior 2
update 2
updates 5
upgrade 1
upside down 2
upstart 1
us bank 2
US Bank Premier Line of Credit 1
usage 2
utility 1
utilization 22
utilization decrease 1
Uverse 1
VA 1
va loan 4
vantage 3
Vantage Score 9
VantageScore 4
Variance between OC & collections dates 1
vehicle repossession 1
Verification 3
verizon 2
Verizon Fios 1
victim 1
Victoria's secret 1
visa 2
VISA cards 2
visa signature 1
Volvo 1
Volvo Financial Services 1
WagWalking 1
Walmart 1
Walmart Synchrony 1
wayfair 1
Wells Fargo 3
wells fargo dealer services 1
Wells Fargo Propel 1
when is it 30 days past due 1
Which first for least impact on credit 1
Why did my Scores Drop 1
without hard inquiry 1
without hard pull 1
Wondering 1
Worried on getting denied 1
worth card to apply 1
Wrong address 1
Wrong addresses 1
You Can Get to 850 1
young 1
zero 1
zero balance 1
zombie debt 1