i give up

Discussion in 'Credit Talk' started by GHONEYHONE, Sep 9, 2002.

  1. GHONEYHONE

    GHONEYHONE Well-Known Member

    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
     
  2. thomas

    thomas Well-Known Member

    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.
     
  3. GHONEYHONE

    GHONEYHONE Well-Known Member

    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
     
  4. uniondiva

    uniondiva Well-Known Member

    30 inquiries... are these hard??? what were you applying for.... that seems excessive to me
     
  5. GHONEYHONE

    GHONEYHONE Well-Known Member

    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?
     

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