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goonerm3

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About goonerm3

  • Birthday 01/01/1970
  1. Thanks for the input. My payment history is perfect. Never been late. Didn't know util has such a large effect on score. Will definitely get them down to 50%. Lesson learned.
  2. I'm trying to fix my 586 score which is due to high utilizations. I have 3 trades revolving credit cards. Each is at 95% util. Should I pay all 3 enough to bring down to less than 50% util or pay 1 of 3 to zero and remainder evenly on the other 2? I was at 690 score very recently until I suddenly got stuck in a jam with emergency expenses. My score tanked.

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