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Discussion in 'Credit Talk' started by Shelby, Apr 11, 2001.
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Hmm, I had a hard inquiry lower my score 7 points just this month. Also, your balances on your credit cards or other loans may have went up. Balance to credit limit ratios can hurt you big time. I think 15% or below, balance to CL is the best. I think mine is about 90%. I bet that's worth about 50 points. Good Luck.
SHelby try not to let this get to you, I do understand your frustration though, when we went to prequalify on October I jus about cried at my 540 scores, but a little over 5 months later I have greatly improved them.
Your scores can change alot for various reasons. Haave you added more debt to your balances?? Recent inquries?? Also depending on when your creditors update your accounts, sometimes your reports get pulled before your payments are reported so it can appear you owe more than you do??
If you are going with Junum, wait to see what they can do most have seen results in 60 days, you never know. Did they mention what your reasoning codes were?? If so you may have a clue as to what is bringing your scores down. Most of all don't give up hope, you will get back up there it just may take some time.
My balances are the same and I have not applied for anymore credit.....I can't figure out what could have brought my score down.
Did your reasoning codes change?? this may indicate something is hurting you more now then before?