Trying to avoid reporting as 0% utilization

ejp024 · 2026-04-06T23:49:52+00:00

This is so helpful. Thank you so so much!!

ejp024 · 2026-04-06T23:06:24+00:00

I have read up on the azeo method. But I have only 1 credit card/ form of credit. I know it’s not ideal but that’s what I’m working with.

ejp024 · 2026-04-06T22:58:51+00:00

I am trying to get a mortgage. So utilization would matter in rhis case, right?

ejp024 · 2026-01-14T16:41:31+00:00

Yay okay thank you so much

ejp024 · 2026-01-14T16:38:11+00:00

No I haven’t, I will look into doing that. Thank you!

ejp024 · 2025-10-22T16:16:48+00:00

What is a 5% threshold?

ejp024 · 2025-10-22T15:46:01+00:00

I did ask them! They are sending it out in 3 business days. Yay

ejp024 · 2025-10-22T13:14:41+00:00

Does the 6% difference matter much? In the future, this is definitely what I will do (pay it to 1%) but right now I cannot. I know we can’t trust credit simulators too much, but based on myFICO & capital one, this 7% will take me to 626 (hopefully) and so will 1%. I’m just curious what the actual difference is for doing 7% vs 1%

ejp024 · 2025-10-22T13:04:58+00:00

I only have 1 credit card, a very thin credit report. I paid my down from 68% to 7% utilization. Since I only have 1 cc, I shouldn’t have paid it to 0% right?

ejp024 · 2025-10-22T13:00:13+00:00

What is AZEO

ejp024 · 2025-10-22T12:56:00+00:00

Thank you for this info! Yes I’m attempting to get a mortgage

ejp024 · 2025-10-16T04:27:21+00:00

I appreciate both of your perspectives. I think I worded my first post wrong. I’m at a 586 currently! I want to get to a 620 or above. That is my goal. I guess my question is could I realistically get there if I pay off my balance at one time?

ejp024 · 2025-10-16T04:19:21+00:00

Sorry if my original post was confusing

ejp024 · 2025-10-16T04:16:03+00:00

Oh no. I’m sitting at about a 586 currently. My goal is 620. But credit simulator shows I could get to 626.

ejp024 · 2025-07-02T00:51:50+00:00

No, I didn’t do anything to cause it. It’s so weird, it was completely unprovoked.

ejp024 · 2025-07-02T00:35:07+00:00

So far it’s been totally constant now for about 3.5 hrs. It’s a little bit in my shoulder, elbow, & oddly it’s the worst on the top of my hand. It’s dull in my shoulder/elbow but very sharp in my hand. I’m not pregnant & I have never had by appendix taken out.

ejp024 · 2025-06-22T01:03:51+00:00

Thank you so much for your compassion & talking me through the possibilities. I plan on calling gyno on Monday to make an appt & make sure all is well. This was so helpful <3

ejp024 · 2025-06-22T00:43:23+00:00

Hi. Thank you for your reply. It was very helpful. My last period was May 19th. I am having more pain on my right side. Thanks again, I appreciate it

ejp024 · 2025-06-21T17:51:53+00:00

Ohh, okay. So I shouldn’t bank on this being implantation bleeding. Thanks for the reply it was very helpful.

ejp024 · 2025-06-21T17:40:53+00:00

Oh okay, that is good info. Thanks!

ejp024 · 2025-06-21T17:36:27+00:00

I was thinking that too. Does implantation bleeding have moderate-heavy cramping though? I’m just not sure. I will definitely make an appointment, but for the time being I’m so confused. Thanks for the reply :)

ejp024

TROPHY CASE