[Ali]

Hi, The best way to reach me is 559-372-2823 or text 559-744-4011. Email: ali@ficodiva.com

Thank you Gus!

[Ali]

CREDIT CARD. BALANCE LIMIT

1. DISCOVER $498. $500

Pay down to $150 or less

2. CAPITAL ONE. $470. $500

Pay down to $150 or less

3. CREDIT ONE. $490. $500

Pay down to $150 or less

4. SELF VISA. $1,500. $1,490

Pay down to $450 or less

5. TRUMP CARD $4,000. $4000.

Pay down to $1200 or less

6. JOURNEY CARD $2,130 $$2,200

Pay down to $660 or less

7. CREDIT PLUS $3,490. ,$3,500

Pay down to $1,050 or less

8. BUDDY VISA $1,500. $1,600

Pay down to $480 or less

10. MISSION LANE $1498 $1,500

Pay down to $450 or less

Hope this helps 🙂

[Ali]

Hello Juan,

When a consumer maxes out a credit card, or used 50-100% of their credit limit, they drop their scores 80-120 points.

They need to look at their statement ending dates for each account, pay down the balances to 30% or less of the credit limit, 2 days before the statement ending date, the lower balance will report to the bureaus after the statement ending date. Then you can pull a new report and their scores should be where you need them to be.

Also, allowing a $5-$10 balance to report helps you more than a $0 balance, so never advise to pay off a balance.

Hope this helps! Reach out when you have clients with credit needs 🙂

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