I only have one CC w/ bal of $273/1500 Limit 5.5% util.
The problem is my only collection which shows begining bal of $5644 and bal of 5427. But I have pd $3900 on time for last 13mths. The high got to over $10,000 because of interest,crt cost, ect...
The CA's seem to be using this Util of 96% in determining my overall util. (1 Source Data my broker is using for my refi) Anybody know how I can get the CA's to show the balance AFTER penaties? That would bring down my util to 53% and an avg of 29.3%. Or would that even be worth it. I plan on seeing if they will except a settlement within 6 mths.
The CA's seem to be using this Util of 96% in determining my overall util. (1 Source Data my broker is using for my refi) Anybody know how I can get the CA's to show the balance AFTER penaties? That would bring down my util to 53% and an avg of 29.3%. Or would that even be worth it. I plan on seeing if they will except a settlement within 6 mths.Thanks ahead of time, for any advice.
songman50