i had 12 credit cards all at or almost at theirlimits i paid them all off now all of these payments but two have posted to my tu credit report and nothing not a increase at all still telling me that my balances our to high!!!!!!!!!!wtf showing 491 to target with a 600cl and 491 to capitol one with a 500 cl. i am doomed to stay at 573 for the rest of my life
The utilization is only part of the equation. Do you have other problems reporting such as lates or charge-offs? If so, they will drag down your score. It seems like you have to get rid of everything to get that big boost. If you do not have any other problems, then I cannot see why your scores are so low. I also have high utilization, but my score stays just above 680.
no lates or chargeoffs 4 medical bills totaling under 450.00 and a bk from 06/93. ok maybe 30 inquires in the last twelve months but thats it i have all my balances but two at 0 and still no increase as a matter of fact i dopped a point
i dont know what you mean by hard i was applying for credit cards and increases can those 30 inquires be holding me at 573?
