Hmm well that 30% damper sure does put a damper on things!!
I guess just to toss up a different balance each month with it, I’ll use it for a new bill each month. I think my highest bill alone is $200 with the electric bill. Other than rent/car payment.
As for the BOA card.. I suppose I could toss $3k into that account to give me a better 30-40% buffer zone.
Paying off the cards each month is not hard as long as the balances are $2500 or less (what I normaly spend each month on food/gas/bills). Just that dang 30% mark. At least the BOA will consider giving back a despost and moving me up in the world to an unsecured card.
I’ll check out the credit report link you posted.. I do need to get setup in a program to check it now that I am out to improve the finer things in life.
Anywho, thanks for the reply! This is quite fun but at the same time a PITA with the whole credit world. But only way to buy a home these days….
Thanks Again!