I doubt that would make your score decrease 19 points, unless it was 30 days late and then I suspect it would drop more than 19 points
One of the most important variables in your credit score is % of available credit used, but I doubt $ 4 changes that calculation. Something else happened, multiple new credit inquiries?
One of the most important variables in your credit score is % of available credit used, but I doubt $ 4 changes that calculation. Something else happened, multiple new credit inquiries?
This is the free site I've used in the past. ACR supplies a very detailed report from all three bureaus. ACR can be very helpful if you are trying to document a problem. However, you will have to pay a small fee for credit scores.
https://www.annualcreditreport.com/index.action
its such bullshit but youve got to play the game.. people that entire poaycheck goes to pay off card and then they are back charging everything right down to a cup of cofee have better credit than
someone like me that chooses to only credit crds for neccesary things like hotels car rental etc..
meanwhile the one with better credit misses one check and they are fucked where as me i provide zero risk to them but because i dont use my credit card for toilet paper my scvore not as good
someone like me that chooses to only credit crds for neccesary things like hotels car rental etc..
meanwhile the one with better credit misses one check and they are fucked where as me i provide zero risk to them but because i dont use my credit card for toilet paper my scvore not as good
the problem is your not building up a history of borrowing money and paying it back. your a wild card to them, because you hardly ever use it. Are you going to trust loaning someone 5k that shows up out of the blue and has never stiffed any or would you prefer to loan 5k to someone whose bored money numerous times and also never stiffed anyone.
I would simply suggest putting all your gas purchases on your cc and build up some months of making payments in full on time to build a track record with them. My wife has a discover card that matches cash back for the first yr, so we put a lot on her card and then just pay it off. getting money back on items we were purchasing anyways while building history and raising her score. Months of on time large payments, they have increased her credit limit a bunch without asking, which helps her credit utilization score.
