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Now I need to try and bring it back up.
originally posted by: ColeYounger
I had a pretty high credit score. Just below excellent.
I have 2 cards with low limits, which I use for small purchases. I make the payments early.
While out of town, I ran one of them up near the limit. We're only talking about 500 dollars.
I make timely payments and have an excellent history, yet I'm lucky to see score increases of 2-3 points per month.
I forgot that you're not supposed to use more than 30% of your available credit, so I quickly made a payment
online when I got home. Apparently, these bastards flag your account and drop your credit score the second
your "utilized credit amount" exceeds 30% of your total available credit.
My score dropped almost 50 points instantly! Now I need to try and bring it back up. I wonder how long that will take?
originally posted by: Bluntone22
If you dropped 50 points and have a bad credit score, then it wasn't very good to begin with.