Credit Cards With a 1000 2000 5000 10000 Dollar Credit Limit Help Debt Ratio
The best credit card to improve your credit rating

Bo Majors. I answer questions free and fast majors@oskie.com

  What is a credit utilization ratio, or balance to credit limit ratio? The Lower the ratio the better your score is.
If you owe 4000 on a 5000 high credit limit, then your ratio is 80%

  • Pay all balances down to less than 79% against the high credit limit. Best if 30%.
  • Get a new 0% utilization ratio with a new credit card and raise your score in 9 to 12 months
  • Dispute settle or pay a collection off so your ratio drops from 100% to 0% on that account.
  • You must have 3 - 6 lines of rated credit (12 months payment activity) to raise credit scores.
  • This is why it is important to have YOUR CREDIT REPORT AT ALL THREE BUREAUS  see right link) 

What is a Credit report debt to credit ratio? What is a good balance to limit ratio on credit cards? 30% or 30 percent or thirty percent. No more than 79%. If your balance to limit ratio is higher than 79% your score will drop. 
Will reopening old credit card raise my credit score? Yes it will. Read what I did with my BP Oil credit card HERE

bad credit: fair credit: excellent credit:

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  • 3000 dollar credit card, 4.000 credit card, 5.000 credit card, 6.000 credit card, 7.000 credit card, 5000 credit card limit

Question

 Real Person
 How come I pay all of my bills on time and on my credit report everything is pays as agreed and never late and as of right now I have one credit card that is $2000.00 and I pay more than the minimum and two vehicles and a mortgage but my credit score never seems to go up. As a matter of fact when I refinanced my home and they pulled my credit report and saw how good my payment history was the loan officer said I don't see why your credit score is this low because everything on your credit is pays as agreed never late. Is there an error with the credit bureau with the score calculations ? my score is only 652 and it should be super high because everything that was incorrect I disputed it was deleted so why is my credit score not rising ? Do I need to contact the credit bureaus about this?

----------------
Bo
I bet it is too much owed on too many new accounts
Get everything down to less than 80 %
Even so
651 is pretty good
------------------------------
Real Person

Ok my mortgage is 131,000 and one vehicle is 20,000 and the other is 25,000 and the one credit card so is that why and to what should I try to get those down to because with houses and vehicles is kind of hard to pay big lumps some on those.
----------------------------------

Bo
What matters is how much you owe to how much you were allowed to borrow on each account
IF
You owe more than 80% on these YES
That is the problem
Over time these will come down and your score will go up
OR
You can lump sum it and fix it now

Cl
 I just closed out a bunch of old credit cards that I had open with approx $30000 in credit. This has negatively impacted my score. Can I reopen those accounts to increase my score again or is there another ideal way to get my score back up.

 I did not have any balances owed at all on them. I just closed them out because they were old credit cards I never used. Should I still reopen them to upgrade my score.
that should not hurt your score something else happened

Something got more than 2 years old
Something might be one day late.
May may not have 3 rated open lines of credit.

 I would open up at least one I guess and see.


  I am Bo Majors and I answer your credit report questions as best I can, free and fast here majors@oskie.com. Since 1998.


Get all 3 free credit scores and all 3 credit reports here


Credit Cards With a 1000 2000 5000 10000 Dollar Credit Limit Help Debt Ratio The best credit card to improve your credit rating

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