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AllThePotential

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  1. AVERAGE AGE OF ACCOUNTS must have done a number to your score (on top of the HARD INQUIRY HIT) Yep, Good thing is, I'm not adding anything new anytime soon.. No accounts no Inq
  2. haha, I've taken like a 60 point hit on EQ because of new accounts. EQ Sucks
  3. you've answered your own question. pay these off immediately and stop using them for anything larger than 10% of the limit. UTL is 30% of your credit score calculations! - low credit limits - high utilization, individual account - high overall utilization these factors are KILLING your score, guaranteed. edit: another consideration is that having high UTL month after month may trigger your other creditors to lower your limits and raise your rates! right now is a bad time to have high UTL, i have my little weinie cards in the sockdrawer until this mess blows over.
  4. I thought daily limits on Debit Cards were only used for the ATMs.. Never knew you had a daily limit on a regular transaction. Wonder if i even have one....
  5. I just had one last week. Sometimes it stops. then picks up again
  6. is this right? http://www.rcfp.org/taping/ Names all states that are One Party and Two Party States. Tennessee is a One Party.. cool
  7. When I have something big going on or when im about to make a big decision
  8. I agree.. I wouldn't call 720's low.. It's a good score to be at. Maybe allowing some balances to report then pay it off in full will help it..
  9. i think B* has paused for me .. still 4.. but then again... Two of those came recently from me applying for something other than a credit card ..
  10. Alot of people have accounts on their report they rarely use. Or might just use it to go out to eat once every 6 months. But, if you took a hard, i'd keep it for 6 6 months? or a year.. if it doesn't hurt you. unless the cl was just like 50 - 100$
  11. Alot of people have accounts on their report they rarely use. Or might just use it to go out to eat once every 6 months. But, if you took a hard, i'd keep it for 6
  12. i only bought there once. no biggie. lose one. you gain one.
  13. 3 on Inq , 23 on EQ , 7 on EX I just can't take chances applying for anything with EQ at the moment.
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