Can someone help me with this? I had a low utilization since pandemic, I.e., ~sub 5%, but never missed any payments. Would credit score be impacted if only one line of credit with a low utilization? Too few accounts currently paid as agreed FICO® Scores consider the number of accounts that are paid as agreed. Your score was impacted because the number of these accounts is too low, or because you've missed payments recently on some of your accounts.

Question and it might not be my brightest, but why are so many people concerned about utilization? I’ve always been on bigger clients and staffed through-out the year. Do people not have staffing through out the year?

I requested a credit line increase and got immediately rejected. Called the help line to figure out why, and they said my utilization is too low to justify the increase. How do I balance keeping utilization low for my credit score but high enough so that I can get a credit line increase?

Is 5 personal credit cards too many? Not a high utilization rate but some are too old to close that will adversely affect my credit score

A few montsh ago Equifax lower my credit score from 750 to 636 for no reason. There wasn't any considerable change in my report, no derogatory marks, very low utilization and 100% payment history. On the other hand, Transunion score has gone up from 750 to 799... Has anyone had this happen before? How should I manage this? Interestingly enough, it happened after I filled one of this class action lawsuit form since I was apparently affected by the data breach they had. Could it be retaliation?

Have any of you ever had your credit limit on a card cut due to low utilization or another reason? I've successfully paid off my $20k credit card debt but now I'm concerned my limits might be reduced for underutilization. I'm currently just using about 10% a month that I pay off each month.

How common are credit checks for roles in accounting or finance positions? Will high utilization on credit card balances and low credit score be a deal breaker? I’ve been irresponsible and made mistakes, but wondering if I can switch jobs now or if I’m best off waiting 1-2 years and cleaning up my credit first.

How do I improve my credit score? I currently have 730 around and want to improve to apply a home loan in 6 months or so. I don’t miss any payment so I don’t know how I can improve to 800?

Today’s career aspiration: get to the level where you do not have to submit time sheets. SVP? EVP?

Silly question but can someone explain how credit card payments and utilization rates work? I always pay before the payment due date but think that is causing my credit score to be lower because of how/when utilization is calculated. For example, right now I have $500 in total transactions, it says payment due date is 1/8, but total minimum payment due is $0 and next closing date is 1/11. When is the “correct” time to pay?

Long story short my mom has had me as an authorized user on her credit card since I started college (I recently graduated). I got my own job and rarely used it but she has extremely high credit utilization and I think it’s heavily impacting my credit. I got my credit score back from an apartment in NY I applied to. I don’t know if I will be approved but I have the option to dispute my credit history. Can I say the account is “not mine” ?

Can't wait for the day when it's finally friday and I dont have to submit time!

Not sure if this the current bowl but how do you maintain your credit score if you don’t use your credit card for 1.5 years(moving out of states on secondment) I have 5 years, no missed payments, just 1 credit card, utilization is below 10% since last 2 years and FICO shows 792.

Other than paying bills on time and keeping credit utilization low... how do you increase your credit score? Mine isn’t bad, but it’s been pretty stagnant for the past 2 years. Should I have a mix of credit? Anything that works for others would be appreciated. Thanks in advance!

How can utilization encourage efficiency? I have a 30hr code and I finished the work in 5hr. If I charge 5, the write up gives credit to the partner and my utilization suffers.

HR: Everyone should submit time daily My Team: Wait 2 weeks then guess-timate that thang

Dammit...45 mins and still trying to submit time in Mercury ...Gold Rating to developers

This may be an elementary question, but my credit score just randomly dropped 20 points. I keep my utilization very low. Almost all of my financial transactions are on my credit card, and I pay everything off by each statement. One month I didn’t get a chance to pay everything off because there were some transactions made on my statement date that I was not able to pay off because they were listed as pending. This resulted in my utilization going up to 6%. My credit score did not change (cont).

How to get your credit score higher? Mines been stagnant for a while. Pay off CC in full every month and only at 3-5% utilization on average. Reasons listed for “lower credit” were: I don’t have enough loans / large loans, and my oldest account is only 8 years. The age thing I get but I’ve never understood the loans criteria. Isn’t lack of loans a good thing?

Forgot to submit time sheet this week how fucked... how fucked am I

Working on site at a major client and am totally under utilized to where I have practically zero motivation. Love the people I work with, but feel like this is bad for my career. What do I do?

Gov. Newsom just mandated Covid vaccines for all K—12 students. What do u think?

Any other female attorneys out there sick of getting assignments that are more appropriate for paralegals/assistants?

I’m new to big law and having trouble getting a handle on the case documents, any advice for mastering the documents and case facts?

I just truly do NOT feel like going to work tomorrow. 😅 growing up is ghetto.

Pros and cons of Bobbie formula?

Are there any annual exams or skill assessments to be given in wipro even for experienced employee?

Moved into a building in July and was given 1 free month on a 13 month lease (3800 gross rent). I’m thinking about reaching out to discuss renewal options given I don’t want to risk everyone having the vaccine by the summer and the market is hot. Currently the building is offering new tenants 3 free months on a 15 month lease. Has anyone had experience negotiating renewals 5 months in advance and as they are currently offering 3 free months what do you think is a realistic offer I should give.

Many candidates reject an offer from a company after getting the offer letter because they got a better offer elsewhere. So companies say that this costs them a lot. I want to understand what is this cost. Its not like they had to pay a person some money even if the candidtae didn't join. Also the joining bonus is paid after a candidate joins and is usually returned if left before a yr. So what cost do they talk about?

Cigar smokers - what's your favorite place to buy a cigar in the city? Preferably near midtown area.

Hello! Looking to transfer to PWC as a senior 1 or 2 with a wide background into their FS AWM group. Trying to get an idea of the average salary in the group. Any insight will be greatly appreciated!

Does anyone comfortably think they'll be doing this for the rest of their professional career? Or does everyone have an eventual pivot in mind?

At what point would you guys suggest moving to day trading full time. I’ve become extremely profitable in 6 months but I don’t want to prematurely make a decision. Currently averaging $3k a week for the last 2 months. I feel like if I had more time to find great setups and study I would be able to accelerate my development.

Food should be viewed as an additional type of medicine for our patients.

Anyone practice employment law at the big 4 or other major L&E firms? What has your experience been like and which office and class year?

Senior consultants, what do y’all make for base and EOY bonuses?

Anyone with connections to Revolut? I’d like to find out who’s responsible for a given country in Europe, but LinkedIn search yields no results. Thanks in advance!

Trying to settle a debate here. Do you love and have fun with the work that you do? I have been asking around and many of the career oriented people I’ve asked have basically said “Unfortunately no, it’s not fun most of the time. You can only be so lucky to love what you do” I’m still striving to find a job I love and have fun with but now I am not sure if I am setting an unrealistic expectation for myself 🤔 If you have struck gold, feel free to share what you do and what you love about it!

I got the job. That is all.