I’ve never owed on a credit card! My score isn’t horrible but I strive for the highest bracket! I’ve had a few medical bills get me and my student loans affect it negatively when they transfer. My last transfer was November. My company pays it every month I had no missed or late payments. Just the act of transferring dropped my score 54 points. That’s a lot don’t you think? It shouldn’t drop 1 point for that anyway?!?!
You need to keep credit cards with less then 30% debt on them, pay shit on time and let it go up.
I’ve never owed on a credit card! My score isn’t horrible but I strive for the highest bracket! I’ve had a few medical bills get me and my student loans affect it negatively when they transfer. My last transfer was November. My company pays it every month I had no missed or late payments. Just the act of transferring dropped my score 54 points. That’s a lot don’t you think? It shouldn’t drop 1 point for that anyway?!?!
It is, I’d dispute it
And student loans hurt you the most. You need to get rid of that as fast as you can