Looking for credit advice!

Old score was in the 800s but for some reason my dumb butt wanted to try just paying the minimum on my credit card (car loan was close to getting paid off). A few months later it is down to 730s... apart from paying of the cards and getting utilization to 0 should I.. idk call the bank? Is there a faster way to restore my old score?

Am I dumb, yessir~ but please help the needful with any financial hacks or magic tricks 🥺

likeuplifting
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No, just pay the card off and it will go back up in a month or two. Having high credit utilization only impacts your score for as long as the utilization is high. Pay it off and score will go back up as long as you don’t miss a payment

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This. That's still a good credit score. Just keep paying off that debt and don't repeat your mistake in the future.

Just pay off the card and youll be back there in no time.

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Minimum on the car loan, and all other disposable income toward the credit card. Once the credit cards are down to 0, throw everything into the car loan.

As long as there’s no negative remarks in your report, and you have no immediate credit needs, i wouldn’t worry too much about this temporary drop on your score.

helpful

Pay off your debt on your revolving or unsecured. Auto and mortgage credit triumphs all to boost that score,

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Just remember credit score varies depending on the bureau and credit model.

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Or just live without credit or a credit score.
It’s glorious.

I forgot the golden rule: cash is king 🙊

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Why do you need a high score quicker?

Unless you're looking to get additional credit, don't sweat it. It will go up - as someone else mentioned, pretty quickly once they're paid off. People stress about this stuff way too much.

helpful

You just have to pay off the card and make sure you always pay on time.

yeah for some reason I thought it would drop after the car loan was paid off so I thought to add in credit card debt 😂😂😂

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