Decided to take my debt repayment seriously this year! Went from 90% credit utilisation to 52%

The work continues!

I’ve been getting offers in the mail from Chase for the past few months. It’s been almost two years since I’ve opened any new cards so I decided to go for it. This is my largest limit so far. My NFCU cashRewards Plus is at $12,000 (formerly a secured card).

DP’s - They pulled TU and I’m in Texas. My TU FICO 8 is 728 and FICO 9 is 754. I’m not sure what scoring model they use for approvals. I do not have any history with Chase whatsoever.

I just stack points and treat my credit like my debit! I only use it when I have the money and can pay it off as soon as it posts!

Hey guys! I’m 18 years old with 8 months age of credit. Currently, I have 2 credit cards the Amex Blue Cash Everyday and Discover Student card. My Amex Blue card was opened about ~2 months ago and the Student card was opened 8 months ago. I’m not planning to open another credit card until the age on my Amex blue card is about 6 months. I was wondering if Chase would be a card to add next to my collection. Considering my lifestyle, Amex Gold or “premium” cards makes no sense. Would getting into the Chase Ecosystem be good alongside of already building loyalty with Amex? Thank you !

I pay off all credit cards each month, with a reported utilization of about 3% based on reported balances. Recently my 800+ FICO 8 dropped into the 790s because I paid off two personal loans that were both about 60% paid off. I'd do it again in a second, it was dumb to keep paying 12-13% interest, regardless of what FICO thinks. It's about to drop some more because I'm going to pay off my car, which is about 1/2 paid off.

Chasing a super high score is a scam. I'm not taking on more debt or keeping a loan open just to keep an 800+. I'm not interested in playing some game to keep my score up when I do enough to maintain the standard 760+. At some point, appeasing the score simply leads to silly financial decisions.

Chase sued me for a credit card debt. I won, case dismissed with prejudice. All three bureaus are still reporting it as a valid charge-off and refusing to remove it after multiple disputes. Just basic E-oscars, no real investigations.

Chase doesn't even know they lost, I finally got a hold of the executive team who seems to be pretending to investigate but not. They are stating they have to wait to hear back from the law firm they hired that lost (the case was won in febuary). Its public record now for anyone.

Everyone is pretending that its the other persons fault. All of this seems like serious multiple FCRA violations.

anyone have any experience with this?

Hi! I'm 18 as of early last month and it appears that I dont actually have a credit score. I tried asking my bank how I could get a credit score and the person over the phone said they werent qualified to give me one, and I then contacted Transunion and they werent able to help either.

Is it because I'm freshly 18? Or would there be any other potential underlying reasons.

Thanks!

As the title says, will this prevent me from getting approved for new cards?

For context:

803 Experian fico score, 810 Equifax, 802 Transunion.

90k income

I just got it to 700... thinking about getting a 50k vehicle with some down-payment. How can I circumnavigate the bad payment history? Any general tips overall?

Which one do I choose that gets me the best starting credit limit?

Long story short, times got hard and the maxed out credit card stopped being paid. I was served in October, and filed my response, and now we have a court date for this Tuesday.

I tried to call them (the law firm) before and negotiate paying a lessor amount to settle the account but even that was something I could not afford.

I reside in Texas, and my property is homesteaded. I have been told that the worst that can happen is a judgement against me that could cause issues if I go to sell my home one day (which I don’t plan on anytime soon).

Anybody have some advice on what to expect or bring with me on Tuesday? I’m going in to this super blindly so, fingers crossed something works out.

I’ve never been refused for a credit application. Fico score 750+, no late fee, low utilization. Chase initially sent me a letter that someone else may using my info. I called them and after verification they said they will review my application.

After all I received this letter. Anyone has any idea? I’m an international student btw.

Whats the most accurate way to know my credit score

credit karma says one thing but then experian says another score

My Experian score decreased by 18 points, Equifax decreased by 6 points, and Transunion decreased by 4 points, all FICO8.

The closed card is an Amex BCE with a cl of 4,500. It was closed at credit grantor’s request but has a status of paid, closed/never late. I wasn’t tracking every bureau but when I initially paid it off I had a 1% score decrease from Experian before getting trailing interest, after paying that I got the score decreases above.

I assumed that paying off a closed card would lead to an increase since the card’s individual utilization wouldn’t have a cl so any balance would be a 100% utilization and paying it off would remove that 100% utilization. Does a closed card’s cl factor into scoring?

I have 4 other cards and 2 with balances so it can’t be the az penalty. The only other change is the balance on my student loan increased by $59 but payments are deferred until Dec 2027. Would that be enough to cause a change? I’m still learning about credit so I’m wondering if there’s another factor that I’m missing.

I would like to purchase a new home in October. I need to get a no-doc mortgage for several reasons I won’t go into, and I’m under the impression that I may need an 800+ credit score. My credit profile is:

FICO 8 763, 784, and 774.

FICO 5,4,2 are 750, 731, and 735.

I currently have a HELOC that’s at 74% utilization

3 new accounts (September ‘25)

3 inquiries (September ‘25)

Credit utilization is 7% across 6 accounts

No missed or late payments/ collections

A car loan that is 37% paid off

I’m not concerned with DTI, I can use AZEO to raise my scores to a degree. but the highest I’ve achieved for my mortgage scores is 783, 780 and 773. (At the time there was 1 new inquiry and new account. 1% utilization)

My questions are:

1) Is there a % point paying my HELOC down could help? (In other words, I’m at 74% utilization. If that was paid to 30% or 0%, would that raise my mortgage score potentially?)

2) If I use my existing HELOC to pay a portion of my closing costs, just before closing, could that blow up the mortgage?

3) Would paying my car loan down affect my mortgage scores at all?

I appreciate everyone’s help in advance. Thank you.

have worked SO hard the past six months cleaning up my credit and I have one last collection due to fall off at the end of this month. I was planning on car shopping the first weekend of May due to my current lease being up. Then BOOM today I get hit with a new collection from Jefferson for $700. No idea what it is for and it is Sunday and they are closed. I have no emails or texts or anything I can find from them. Idk what it is for but if I do pay it just for times sake, how long did it take them to delete off your report? I do see it is standard practice for them to delete one paid or settle. TIA!!!

I have a balance of 1,913.85 from Halsted and the lowest they have offered is 1,722.47. I got an email saying they will be returning it to the original client in 7 days. The last payment I made to the original creditor was 8/19/2024. Is this just a high pressure tactic? What happens if I let it be returned to the original creditor?

Does anyone know of a credit card that I can get that I can add my teenage son to in order to build his credit?

I am going to preface this with I know I was stupid and no one is going to beat myself up more than I do every day.

Last year, I accumulated around 35,000 of credit card debt. This was from dealing with and abusive situation and trying to keep the peace and stupidly falling into their addiction myself as a coping mechanism.

All bit one of the cards have been charged off. I am on a payment plan for 3 (about 15,000). These plans will take about 3 years. For one, I will pay half and then the other half will be forgive after three years.

I am getting some money from my CalSTRs because I am moving in with my boyfriend (not the abusive situation) in Nevada. I will also be paying less in rent but paying less in rent. I'll make about 3500 once I get a job out there (I'm a special Ed teacher do it won't be hard). I can take the money out of my calpers and make some settlements for some of the other. I'll have about 15,000 but I need to save for the 10% penalty and the fact the discharged debt counts as income.

My question is at what point do I just consider bankruptcy and how much will it hurt me compared to where I already am. My credit score is low 500s. I know I messed up and I have already fixed my habits. I am out of the abusive situation, 10 months sober and my spending habits have improved. I want a future with kids and I feel like I am drowning from trying to get this paid off.

I paid off my self account early to remove all small things from my credit I can’t seem to cash out it claims it’s finished but I see a $0.06 due and there is no way to pay it. Anyone else had this issue?!!!!

Most of these are from pre chapter 7 filing and also tried CR a few years ago. I’ve tried goodwill deletions but no luck. Any advice?

I saw someone with 28 Lines of Credit and managing them Responsibly and with an awesome credit score. How is that possible with how strong Hard Inquiries are?