Jump to content


  • Content Count

  • Joined

  • Last visited

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.

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
  • Create New...

Important Information