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  1. 10/03/18 - Chapter 13 Discharge 10/09/18 - Made AU on Chase Amazon Prime Visa $8,300 limit 10/16/18 - Approved for Capital One Platinum Unsecured $3,000 limit
  2. "Preferred UT 25%" = Preferred Credit Line Utilization of 25%(example: If your Credit Limit on one of your Credit Cards is 100.00 and you want maintain a balance of no more than 25% ( i.e. You Prefer to keep your Credit "Utilization" at no more than 25%) or less then that is an example of your "Preferred UT %" On the spreadsheet, you can set it to whatever % you want it based on your needs & how much of a Positive Impact you'd like to have on your Credit Score in the short-term: 25% UT for some Positive Impact, on your score. 20% UT for a slightly more Positive Impact on your score. 15% UT for a significantly more Positive Impact on your score. 10% UT for a very Positive Impact on your score. 5% UT for a very very Positive Impact on your score. And regardless of your Credit Limit on each of your Credit Cards, I've heard that you can have the absolute Greatest Impact on your Score over the Short Term by getting your Statement Balance down to $3.00 if its a Discover Credit Card and $2.00 on all other major Credit Cards (Visa, MasterCard, American Express) Based on the number in your preferred UT, the spread sheet will calculate the exact payment you need to make so that your "Preferred UT XX%" is maintained on each of your credit cards/ credit lines. Thank you so much. So $2 is better than 0% utilization? Sent from my SM-G935T using Tapatalk
  3. Thanks! Sent from my SM-G935T using Tapatalk
  4. Great spreadsheet! Thanks!!! This may be a stupid question but what is the Preferred UT 25%??? Sent from my SM-G935T using Tapatalk
  5. Hello, I'm here to learn as much as I can about how to use credit wisely before I'm released from my CH13 BK. A little over a year and half to go. I also have a foreclosure in 2013. That was the whole reason for my BK in 2014. Anyways I'm working on cleaning up my credit reports to set a good foundation. I became a member or NFCU a few days ago! Figured I better get some banking history with them before I start asking for credit. Sent from my SM-G935T using Tapatalk

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