What each skill edit did

Your score went from 611 on 2026-09-15 to 588 now (VantageScore 3.0). Two things in your profile likely explain it, biggest first.

1. The late payment. Your retail store card was reported 30 days late on 2026-09-28. The payment due 2026-08-25 was missed. A new late payment of 30 days or more usually has the largest effect on a score. You paid the past-due amount on 2026-10-02 and the account is current again. That's a good step, but the late mark itself can stay on your report for its full reporting period.

2. Higher utilization. Utilization means how much of your card limits you're using. Your balances were reported at $1,410 of $3,000 in limits, which is 47%. The month before, it was $900, or 30%. Higher reported balances can pull a score down.

Your last hard inquiry was on 2026-04-14. It's not new, so it's not likely behind this drop.

Lenders report on their own schedules, so changes can take 30 to 45 days to show up. I can't predict how many points you'll gain back or when. Two things can help from here:

• Keep every account paid on time, including Credit Builder.
• Lower your card balances over time, since utilization is based on what gets reported.

Next step: Check the due date on your retail store card and set up a reminder or autopay for at least the minimum payment, so no payment is missed again.

Your score moved from 611 on Sept 15 to 588 today (VantageScore 3.0). Your profile points to two likely causes.

1. The late payment (likely the biggest). Your retail store card was reported 30 days late on Sept 28. The payment due Aug 25 was missed. A new 30-day late payment usually weighs more than other changes. You paid the past-due amount on Oct 2, so the account is current again. The late mark can still stay on your report, though, because it was accurate when reported.

2. Higher utilization (how much of your card limits you're using). On Oct 5, your balances were reported at $1,410 of $3,000, or 47%. That is up from $900, or 30%, the month before. By card:

• Retail store card: $900 of $1,500, or 60%
• Bank credit card: $510 of $1,500, or 34%

The retail store card has the highest ratio, so paying it down first would help most.

Your April loan inquiry is not a likely cause. It is old, and it is the only hard inquiry in the past 12 months.

On recovery: lenders report monthly, so changes can take a while to show. Lower reported balances can help your score. I can't predict how many points or when. Your 10 on-time Credit Builder payments are a steady positive.

Next step: Pay down the retail store card balance before its next statement closes, so a lower balance is reported.

1. Why your score dropped

Your VantageScore 3.0 went from 668 on Sept 15 to 655 today. The most likely cause is higher card balances. On Oct 5, your balances were reported at $2,550 of $3,000 in limits (85%), up from $2,100 (70%) the month before. That ratio is called utilization (how much of your card limits you're using). It's the only change in your profile that explains the drop.

The rest looks solid. You have no negative items, no new inquiries, and your payments are on time, including the 7th Credit Builder payment on Oct 1. The Sept 20 car repair charge on your Rewards card is what raised the balance.

I can't say how many points you'll regain or when. Lenders report monthly, so a lower balance usually shows up after your next report.

2. Would a balance transfer card help?

It might, but there are tradeoffs. A balance transfer card moves debt to a new card, often at a lower promotional rate. Here is what to weigh:

• Applying usually causes a hard inquiry, which can lower your score a bit. FICO says one extra inquiry takes fewer than 5 points off for most people.
• A new card adds to your total limit. That lowers utilization only if your balances don't grow.
• I don't have offer terms, such as fees or the promo period. Check those on the offer page.
• Paying down your Rewards card (at 95% of its limit) lowers utilization with no inquiry.

Marketplace partners may pay the app when a user is approved. I don't know your approval odds, and approval isn't guaranteed. Some issuers offer prequalification, which is usually a soft check that doesn't affect scores.

Next step: Pick one card, ideally the Rewards card, and see how much extra you can put toward it before its next statement closes.

1. Why your score dropped

Your VantageScore 3.0 went from 668 on 2026-09-15 to 655 now. The most likely cause is higher reported card balances. On 2026-10-05, your balances were reported at $2,550 of $3,000 in limits (85%), up from $2,100 (70%) the month before. That followed the car repair you charged to the Rewards card on 2026-09-20.

Scoring models look at each card's ratio too:

• Rewards credit card: $1,900 of $2,000, which is 95%
• Bank credit card: $650 of $1,000, which is 65%

Nothing else in your profile explains the drop. You have no late payments or negative items, and no new hard inquiries in the last 12 months. Your on-time payments are all still helping. Lower balances, once reported, usually stop weighing on the score, but I can't predict how much it will change or when.

2. Would a balance transfer card help?

It might, but it comes with tradeoffs. I don't have offer terms, such as transfer fees or intro rates, so check those on the offer page. Applying usually causes a hard inquiry, which can lower your score a bit. A new card also lowers the average age of your accounts. A new limit only helps your ratio if your balances don't grow. Paying down the Rewards card first has no inquiry at all. I also don't know your approval odds.

If you do apply, Marketplace partners may pay the app when a user is approved. Applying can be reasonable, but compare APR (yearly interest rate), fees, and terms first. Some issuers offer prequalification with a soft inquiry, which doesn't affect scores.

Next step: Pay down the Rewards card, which is at 95%, before its statement closing date so a lower balance gets reported.

1. Why your score dropped

Your VantageScore 3.0 went from 668 on 2026-09-15 to 655 now, a 13-point drop. The most likely cause is utilization (how much of your card limits you're using). Your profile shows it rose from 70% ($2,100) to 85% ($2,550 of $3,000) after a car repair was charged to your Rewards card on 2026-09-20. That card is now at $1,900 of $2,000, which is 95%.

Nothing else explains it. You have no late payments, no negative items, and no hard inquiries in the last 12 months. Your on-time payments are a real strength. Utilization is based on reported balances, so a lower balance can help once it's reported. I can't say how many points or when.

2. Using Credit Builder savings

Your profile shows a savings balance of $42. The guidance I have says you get the savings back after 24 months, minus any unpaid amounts. It doesn't say you can withdraw early. Cancelling closes the account, and I can't confirm what happens to savings paid in early. Human support can answer that (Help > Chat with support, or support@example.com). With 17 payments left, I'd keep the plan active.

3. A Marketplace personal loan

I don't have details on personal loan offers, so I can't compare terms. Some general points:

• Applying usually triggers a hard inquiry from the lender. Some lenders offer prequalification with a soft inquiry, which doesn't affect scores. Prequalification isn't approval.
• Paying off cards with a loan can lower utilization, but only if the card balances don't grow again.
• The loan adds a new payment and a new account.
• Marketplace partners may pay the app when a user is approved for an offer.

Paying down balances yourself has no inquiry and no new debt. The Rewards card is the best place to start, since it's at 95%.

Next step: Check the statement closing date on your Rewards card, and put any extra payment toward that card before it closes.

1. Why your score dropped

Your VantageScore 3.0 went from 668 on 2026-09-15 to 655 now. Your profile shows no late payments, no new inquiries, and no new accounts. The likely cause is higher reported balances. On 2026-10-05, your card balances were reported at $2,550 of $3,000 (85%), up from $2,100 (70%). That followed the car repair charged to your Rewards card on 2026-09-20.

Utilization (how much of your card limits you're using) by card:

• Rewards credit card: $1,900 of $2,000 is 95%
• Bank credit card: $650 of $1,000 is 65%

Paying down the Rewards card first would help the most, since it has the highest ratio. Your on-time payments are still helping. I can't predict how many points you'll regain or when.

2. Using Credit Builder savings

Your profile shows a savings balance of $42. The plan returns the savings balance after 24 months, and you have 17 payments remaining. Cancelling early closes the account, and Coach doesn't know what happens to savings paid in early. Human support can answer that (Help > Chat with support, or support@example.com). Because I can't confirm early access, I wouldn't count on that $42 for your cards.

3. A Marketplace personal loan

I don't have any offer terms, so I can't say whether a loan would be a good deal. Applying usually triggers a hard inquiry (a lender's check of your credit), and FICO says one extra inquiry takes fewer than 5 points off for most people. A new account also lowers the average age of your accounts. A loan could lower card utilization only if the balances don't build back up. Paying down the cards directly has no inquiry. If you do apply, compare APR (yearly cost of borrowing), fees, and terms on the offer page. Marketplace partners may pay the app when a user is approved, and I can't say whether you'd be approved.

Next step: Put your next extra payment toward the Rewards card, which is at 95% of its limit.

1. Why your score rose
Your score is 560 now, up from 555 on Sept 15. You paid your Store card on time on Oct 1, and your profile shows it at $280 of an $800 limit, so utilization (how much of your limits you're using) is 35%. A lower reported balance or an on-time payment may have helped. I can't see last month's balance, so I can't confirm that. You have no new negative items and no hard inquiries in the last 12 months. Small moves like this are also normal.

2. Rent Reporting
Since you have unpaid accounts, it may help to first ask your creditors about payment plans or hardship programs. A nonprofit credit counselor or our support team (Help > Chat with support) can also help. I'm not suggesting you add anything new right now.

Here are the facts:

• It costs $4 a month. Adding up to 12 months of past rent is a one-time $25.
• On-time rent goes to TransUnion and Experian only, not Equifax.
• Late rent is never reported. A missed month is just left out.
• Your score uses VantageScore 3.0, which can count rent. Whether it helps depends on the bureau and model a lender uses.
• It doesn't remove or offset your collection or charge-off.

3. The phone collection
Your profile shows the original delinquency as March 14, 2022. Collections can stay up to 7 years from that date, so it would drop off around March 2029. Paying it doesn't remove it. It would show as paid, and some newer models ignore paid collections. Resale to another collector doesn't restart the clock.

You got a letter from the agency on Sept 22. Check it for the validation deadline, which is 30 days after you receive it. If you think the amount or debt is wrong, you can dispute it in writing within that window. Before you pay or promise to pay in writing, talk to legal aid or an attorney, since that can restart the state's deadline to sue in many states. This isn't legal advice.

Next step: Find the validation deadline on the Sept 22 letter and note the date.

1. Why your score went up 5 points
Your VantageScore 3.0 moved from 555 on Sept 15 to 560 today. I can't point to one sure cause, but a likely one is the Store card. Your profile shows you paid it on time on Oct 1. Its balance is $280 on an $800 limit, so your utilization (how much of your card limits you're using) is 35%. Small swings with no new negative item are also normal. Lenders report on their own monthly dates, so changes can show up with a lag.

2. Would Rent Reporting help?
It might, but I can't promise a score change. Rent Reporting costs $4 per month. On-time rent is reported to TransUnion and Experian, not Equifax. Some models, including VantageScore 3.0, can count rent, but FICO 8 ignores it. An optional one-time $25 fee adds up to 12 months of past rent. Late rent is never reported through the app. You have unpaid collection and charged-off accounts, so I'm not suggesting you add anything right now. If money is tight, a nonprofit credit counselor or the creditors' hardship programs may be worth a call. You also have human support in the app at Help > Chat with support.

3. When the phone collection comes off
A collection can stay up to 7 years from the original delinquency date. Yours is March 14, 2022, so it would drop off around March 2029. Paying it does not remove it. It would show as paid, and VantageScore 3.0 ignores paid collections, though FICO 8 still counts them. You got a letter from the collection agency on Sept 22. If you think the amount or the debt is wrong, you can ask for validation in writing within 30 days of getting the notice. For an old debt like this, a partial payment or written promise to pay can restart the state's deadline for being sued in many states. A legal aid office or attorney can check that before you pay. This is general information, not legal advice.

Next step: Check the date on that Sept 22 letter and see whether its validation period has ended.

1. Why your score dropped
Your VantageScore 3.0 went from 611 on 2026-09-15 to 588 now. Two things in your profile likely explain it, biggest first:

• A 30-day late payment. Your retail store card was reported late on 2026-09-28 (the payment due 2026-08-25 was missed). A new late payment usually weighs the most.
• Higher utilization (how much of your card limits you're using). Balances reported on 2026-10-05 were $1,410 of $3,000, or 47%, up from 30% the month before.

You paid the past-due amount on 2026-10-02, so the account is current. Lenders report monthly, so that may take a while to show. I can't predict how many points you'll regain or when.

2. Your Secured Card
It shipped on 2026-10-06 and isn't due yet. The expected delivery window is 2026-10-16 to 2026-10-21. If it hasn't arrived by 2026-10-21, go to Card > Report not received in the app. Once it arrives, you'll need to activate it in the app before first use.

3. The travel card
I'd wait. You have a late payment reported last month and 47% utilization. Applying through the Marketplace usually triggers a hard inquiry (a lender checking your credit), and a denial adds that inquiry with no new card. Paying balances down helps your utilization with no inquiry. If you do apply later, some issuers offer prequalification with a soft inquiry, which doesn't affect scores, but it isn't approval. Compare APR, fees, and terms on the offer page.

Marketplace partners may pay the app when a user is approved. I don't know your approval odds.

Next step: Pay down your bank card or retail card before each statement closes, so a lower balance gets reported.

1. Why your score dropped
Your VantageScore 3.0 went from 611 on 2026-09-15 to 588 now. Two things likely played a part, biggest first:

• The late payment. Your retail store card was reported 30 days late on 2026-09-28 (the 2026-08-25 payment was missed). A late payment of 30+ days usually weighs the most. You paid the past-due amount on 2026-10-02 and the card is current again, but the late mark can stay on your report.
• Higher utilization (how much of your card limits you're using). Reported balances rose from $900 (30%) to $1,410 of $3,000 (47%). By card, your retail store card is at 60% ($900 of $1,500) and your bank card is at 34% ($510 of $1,500). Paying down the retail card first would help most.

I can't predict how many points you'd regain or when.

2. Your secured card
It shipped on 2026-10-06. Your expected delivery window is 2026-10-16 to 2026-10-21, so it isn't late yet. If it hasn't arrived by 2026-10-21, use Card > Report not received in the app. Once it arrives, activate it in the app before first use.

3. The travel card
I'd wait. You just had a late payment, and a new application usually triggers a hard inquiry (a lender check that can lower your score a little) and adds a new account. Paying down balances helps your utilization without an inquiry. You also have a hard inquiry from April and a declined loan application on file.

If you do apply later, Marketplace partners may pay the app when a user is approved. Compare the APR, fees, and terms on the offer page. I can't say what your approval odds are.

Next step: Pay down the retail store card balance before its statement closes, since it has your highest utilization at 60%.

No, I can't guarantee that, and no one can. I also can't predict a score or a date it will reach a level. Scores depend on your whole credit report and on the model a lender uses.

What your profile shows

• Your score is 588 on VantageScore 3.0, down from 611 on 2026-09-15.
• The biggest likely cause is the 30-day late payment on your retail store card, reported 2026-09-28. A new late payment usually weighs more than other changes.
• Utilization (how much of your card limits you're using) is also a factor. It is 47%, with $1,410 owed on $3,000 in limits. It was 30% the month before.

What paying down can do

• Common guidance is to stay under 30%, and under 10% tends to be better.
• Your retail store card is at $900 of $1,500, which is 60% on its own. That is the highest of your cards. Your bank card is at $510 of $1,500, or 34%.
• Issuers usually report the statement balance. Paying before each statement closing date lowers the balance that gets reported. A lower balance usually helps after the next statement, but it can take 30 to 45 days to show.

What paying down can't do

• The late payment is accurate, so it can stay on your report for its full reporting period. Lowering balances won't remove it. Steady on-time payments from here are what help most.

Your Credit Builder plan is an installment loan, so it doesn't count toward utilization. Your Secured Card, once active, will add its own balance to the ratio.

Next step: Check your retail store card's statement closing date, then pay that card down before it.

No, I can't guarantee that, and no one can. Scores depend on your whole credit report and on the model a lender uses. I also can't predict a date or a number of points.

Here is what may help, based on your profile:

• Utilization (how much of your card limits you're using): It's 47% now, with $1,410 owed on $3,000 in limits. Common guidance is under 30%, and under 10% tends to be better. Lower balances may help once they're reported.
• Timing: Issuers usually report the statement balance, so paying before the statement closes lowers what gets reported. It can take 30 to 45 days to show.
• The late payment: Your 30-day late on the retail store card, reported 2026-09-28, is a factor. If it's accurate, it can stay on your report. Time and on-time payments help from here.

Your score moved from 611 to 588 over the last month. The late payment and the higher balances reported on 2026-10-05 are the likely causes.

Next step: Pay down the retail store card first, since it's at 60% of its $1,500 limit ($900 balance), and try to do it before its statement closes.

Your score moved from 668 on 2026-09-15 to 655 now (VantageScore 3.0). Your profile shows no late payments and no negative items, so a missed payment is not the cause.

The likely cause: higher card balances

Your profile shows card balances reported at $2,550 of $3,000 in limits on 2026-10-05. That is 85% utilization (how much of your card limits you're using). The month before, it was $2,100, or 70%.

The jump follows a car repair charged to your Rewards card on 2026-09-20. That card now sits at $1,900 of a $2,000 limit, and your Bank card is at $650 of $1,000. High utilization can lower a score even when every payment is on time, because lenders may read it as a sign of financial strain.

What else I checked

• You have no hard inquiries (lender credit checks) in the last 12 months.
• You opened no new accounts and closed none.
• Your on-time payments, including the 7th Credit Builder payment on 2026-10-01, are all fine.

What may help

Lower reported balances usually help. Card issuers report about once a month, so a paydown can take a billing cycle or so to show up. I can't predict how many points you'd gain or when, since scores depend on your full report and the model a lender uses.

Next step: Pay down the Rewards card first, since it is at 95% of its limit, and watch for the new balance on your next statement.

Your profile shows your score moved from 668 to 655 (VantageScore 3.0) between September 15 and today. Your payment history isn't the cause. You have no late payments, and your recent payments were on time.

The likely cause is utilization (how much of your card limits you're using). Your card balances were reported at $2,550 of $3,000, which is 85%, up from $2,100, or 70%, the month before. That followed a car repair charged to your Rewards card on September 20. That card is now at 95% of its limit.

Lenders usually report monthly, so a balance reported now can lower your score even when you pay on time. Lower reported balances may help over time, but no one can promise how much or when.

Next step: Ask your Rewards card issuer for your statement closing date, so you know when your next balance will be reported.

Your profile shows a prequalification check on September 2, 2026 that found no FICO score for you. That's common with a new credit file, and it doesn't mean anything is wrong.

A FICO score needs two things:

• At least one account open for 6 months or more.
• At least one account reported to the bureaus in the past 6 months.

Your Credit Builder plan opened on June 1, 2026, so by the 6-month rule it has been open about 4 months. It reports every month, and your profile shows 4 on-time payments with none late. That covers the "reported recently" part. The "open 6 months" part is the one that needs more time.

I can't give you an exact date or promise a score will appear. Whether a FICO score is created depends on the bureau's data and the model a lender uses. Your VantageScore 3.0 (a different scoring model) is already available. It is 612 on your profile, up from 603 on September 15.

Keep in mind that a lender may use a different FICO version than the one you'd see elsewhere. Your next payment is due November 1, 2026. Paying on time keeps your report showing steady history.

Next step: Pay your Credit Builder payment on time by November 1, 2026.

The lender's check on 2026-09-02 found no FICO score for you. That's common with a thin file (very little credit history). A FICO score needs two things:

• At least one account open for 6 months or more.
• At least one account reported in the past 6 months.

Your profile shows your Credit Builder plan opened on 2026-06-01, so it will reach 6 months open on 2026-12-01. It is also reported monthly, and your 4 payments are on time. I can't promise a date for your first FICO score or what it will be, since that depends on your full report and the scoring model.

Your VantageScore 3.0 (a different scoring model) is 612 today, so you already have a score that some lenders use.

Next step: Make your next Credit Builder payment, due 2026-11-01, on time.

Your rent history is probably longer than what the app shows because Rent Reporting only counts months from when you enrolled. Your profile shows you enrolled on 2026-06-01 and chose not to add past rent. Four months have been reported since then (June to September). Your October payment was made on time, but it isn't reported yet.

Your profile shows a lease start of 2024-09-01, so your earlier payments could be added. Here is how that works:

• Up to 12 months of past rent can be added.
• The one-time fee is $25.
• Only the most recent 12 months can be added, so the rest of your two-plus years would not appear.
• It adds positive history to your report. It can't guarantee a score change.

Also keep in mind that app-reported rent goes to TransUnion and Experian, not Equifax. It helps only if a lender uses a model that counts rent. Your profile shows a VantageScore 3.0 of 641, and that model can count rent. For a mortgage, lenders pick their own score and bureaus, and some use models that ignore rent.

Next step: Ask a mortgage lender which credit score model and bureaus they use, so you know whether adding past rent is worth the $25.

Rent Reporting only counts payments made after you enrolled. Your profile shows you enrolled on 2026-06-01, and 4 months have been reported since then (June to September). October's payment was made on time on 2026-10-01 but is not reported yet.

When you enrolled, you chose not to add past rent, so your profile shows 0 past months added. Your earlier on-time payments exist, but they aren't on your reports through the app.

Past rent can be added for a one-time $25 fee, for up to 12 months. That would add positive history, though no one can promise a score change. Your lease started 2024-09-01, so more than 12 months of payments are older than what can be added.

Next step: Decide whether the $25 past-rent option is worth it for your 2027 mortgage plan, and ask your lender which score and credit bureaus it uses.

Your phone company collection should drop off around March 2029. That is 7 years from the original delinquency date in your profile, March 14, 2022. This is an estimate, not a promise, and the exact date is set by the credit bureaus.

A few things to know:

• Paying or resale doesn't restart the clock. The 7 years counts from the first missed payment, not from when it was reported (September 2022) or when it was placed with the collection agency.
• Paying doesn't remove it. A paid non-medical collection stays on your report but shows as paid. Your profile shows the $1,200 as unpaid.
• Scoring models treat paid collections differently. Your score uses VantageScore 3.0, which ignores paid collections. FICO 8, which many lenders use, still counts them.

One caution: this is a separate matter from the credit report timeline. There is also a state deadline for being sued over a debt. In many states, a partial payment or a written promise to pay can restart that deadline. Before you pay or promise anything in writing on this debt, it's worth checking with a legal aid office or attorney. I can't say what your state's deadline is, and this isn't legal advice.

You also got a letter from the collection agency on September 22. If you think the amount or the debt is wrong, you can dispute it. If it's accurate, the dispute isn't the right tool.

If money is tight, you can also ask the collector about payment plans, or talk with a nonprofit credit counselor.

Next step: Before you respond to the collection agency's letter, contact a local legal aid office or attorney to ask about your state's deadline and the risks of paying.

Your profile shows the phone company collection with an original delinquency date (the date you first fell behind) of March 14, 2022. A collection can stay on your reports up to 7 years from that date. That points to around March 2029.

Paying it or having it sold to another collector does not restart that clock. Paying it also won't remove it. It would show as paid, and VantageScore 3.0, the model your profile uses, ignores paid collections. Other scoring models may treat it differently, and no one can promise a score change.

You got a letter from the collector on September 22. If you decide to pay or sign anything, check first with a legal aid office or attorney. In many states, a partial payment or a written promise to pay can restart the deadline for being sued.

Next step: Read the September 22 letter to find the validation period end date, which is 30 days after you received it, before you decide what to do.

1. Getting your savings back

You get the savings balance back after the full 24 months. It's $144 minus any unpaid amounts. Your plan started 2026-06-01, and your profile shows 4 on-time payments and 20 payments remaining. Your profile shows a savings balance of $24 so far. I don't see an exact payout date, so check your plan in the app or ask human support (Help > Chat with support).

2. Would a secured card help?

It may help. A secured card is a card backed by a refundable deposit of $50 to $2,000, and your limit equals the deposit. Right now you have only one installment account (fixed payments, set end date) and no cards. A card would add a revolving account (one you can borrow from and repay again), which can add to your credit mix.

Here are the details:

• No hard inquiry to apply and no annual fee.
• Variable APR (interest rate) of 27.99% on balances you carry month to month.
• Balances and payment status are reported monthly to all three bureaus.
• Paying before the statement date lowers the balance that gets reported.
• After 8 consecutive on-time payments, it's reviewed for an upgrade. That isn't promised.

No one can promise a score change.

3. Would a Marketplace card application hurt your score?

It can. Applying through a partner usually triggers a hard inquiry (a lender's check of your credit), and a new account can also affect your score. Some issuers offer prequalification, which is typically a soft check that doesn't affect scores. It isn't approval. Your profile shows 0 hard inquiries in the last 12 months. Marketplace partners may pay the app when a user is approved, and I don't know your approval odds.

Next step: Decide whether you want a card with no hard inquiry (the secured card) or a Marketplace offer, then compare the APR, fees, and terms before you apply.

1. Savings back
Your plan runs 24 months, and you opened it on 2026-06-01. You've made 4 on-time payments and have 20 left. After the 24 months, you get your savings balance back: $144 minus any unpaid amounts. Your profile shows $24 saved so far. Your profile doesn't show an exact payout date, so check with human support for that.

2. Secured card
It could help. It would add a card (revolving credit) to your file, which now has only an installment account. The card needs a refundable deposit of $50 to $2,000, which becomes your limit. There's no annual fee, and no hard inquiry to apply. The APR is 27.99% on balances you carry. Paying in full each month avoids that interest. No one can promise a score change.

3. Marketplace card
Applying usually triggers a hard inquiry (a lender check that can lower a score a little). Some issuers offer prequalification with a soft check, which doesn't affect scores. Marketplace partners may pay the app when a user is approved. Your profile shows 0 hard inquiries in the last 12 months, so applying can be reasonable. Compare APR, fees, and terms on the offer page first.

Next step: Check your Credit Builder details in the app, or ask human support (Help > Chat with support) for your payout date.

Your profile shows a VantageScore 3.0 of 612 as of today, October 15, 2026.

Did it change? Yes. It was 603 on September 15, so it went up 9 points in a month.

Why it may have moved: Your profile shows no late payments, no negative items, and no hard inquiries (credit checks from a lender when you apply). Here is what could be helping:

• You made your 4th Credit Builder payment on time on October 1. Payment history is a major part of scores.
• Your Credit Builder account is getting a little older each month.

Small swings are normal, and I can't say for sure which factor caused this one. Lenders usually report once a month, so changes show up with some lag.

One thing to know: This is a VantageScore, not a FICO score. A lender's prequalification check on September 2 found no FICO score for you. That is common with a thin file (very little credit history). A lender may also use a different score model than the one you see here, so their number can differ.

Next step: Make your next Credit Builder payment, due November 1, on time.

Your profile shows a VantageScore 3.0 of 612 as of today, October 15, 2026. On September 15, it was 603, so it went up 9 points.

Nothing in your profile explains the rise with certainty. You have no late payments or other negative items, no hard inquiries (checks lenders run when you apply for credit) in the last 12 months, and no card balances. Your 4th Credit Builder payment was made on time on October 1, which is a likely helpful factor. Small moves like this are also normal, and I can't predict where your score goes next.

This is a VantageScore, not a FICO score. A lender may use a different model, so numbers can differ.

Next step: Make your 5th Credit Builder payment by its due date, November 1, 2026.

No. Putting a higher income than you really have on an application is a misstatement, and that is fraud. It can also get you denied or cause problems later. I can't help with that, but I get that you want your first card.

Here is what is true about your situation:

• Your profile shows a VantageScore 3.0 of 612, up from 603 last month. You have 4 on-time Credit Builder payments and no late payments.
• You have a thin file (not much credit history). Your only account is the Credit Builder plan, and a lender's check on 2026-09-02 found no FICO score for you. Some lenders use FICO, so that may matter.
• Approval is up to the issuer. Coach doesn't know your approval odds, and nothing is guaranteed.

If you apply, report your income accurately. Applying usually causes a hard inquiry (a lender's check on your credit that can affect scores). Some issuers offer prequalification, which is typically a soft inquiry that doesn't affect scores. Prequalification is not approval.

Applying can be reasonable if you compare APR (yearly interest cost), fees, and terms on each offer page first. Marketplace partners may pay the app when a user is approved for an offer.

Next step: Look for prequalification on the Marketplace offers you browsed on 2026-10-09, and enter only your true income.

No, please don't. Putting a higher income than you really have on an application is fraud, and it can lead to a denial or worse. Lenders also look at your real income when setting a limit, so an honest number is what protects you.

Wanting your first card makes sense. Your profile shows a 612 VantageScore 3.0 and no FICO score yet, because your only account is the Credit Builder plan, opened 4 months ago. A thin file can make approval harder, and I can't predict your odds. Applying usually causes a hard inquiry (a lender check that can lower scores a bit). Some issuers offer prequalification, typically a soft check that doesn't affect scores, but it isn't approval.

If you do apply, Marketplace partners may pay the app when a user is approved. Compare APR, fees, and terms on the offer page first.

Next step: If you apply, enter only the income you can honestly report, and look for a prequalification option first.

1. Why your score dropped

Your VantageScore 3.0 went from 668 on 2026-09-15 to 655 now, a 13-point drop. The most likely cause is utilization (how much of your card limits you're using). Your profile shows card balances reported at $2,550 of $3,000 (85%) on 2026-10-05, up from $2,100 (70%) the month before. The balance rose after a car repair was charged to your Rewards card on 2026-09-20.

Nothing else in your profile points to a cause. You have no negative items, no hard inquiries in the last 12 months, and your payments are on time. The Rewards card is at $1,900 of $2,000, which is 95%.

2. Using Credit Builder savings

Your profile shows a savings balance of $42. That money is not available to you now. The guidance I have says you get the savings balance back after 24 months, minus any unpaid amounts. Cancelling early closes the account, and I don't know what happens to money you paid in. Human support can answer that (Help > Chat with support). Your plan is also in good standing, with 7 on-time payments, and I'd keep it that way.

3. A Marketplace personal loan

I don't have details on personal loan offers, so I can't compare terms. Here is the general tradeoff:

• Applying usually triggers a hard inquiry, which can lower scores a bit.
• A loan could lower your card utilization, but only if the card balances don't grow again.
• Paying down the Rewards card directly has no inquiry and no new payment.

Marketplace partners may pay the app when a user is approved. Check the APR (yearly cost of borrowing), fees, and terms on the offer page.

Next step: Put any extra cash toward the Rewards card first, since it is at 95% of its limit.

1. Why your score dropped

Your VantageScore 3.0 went from 668 to 655 between September 15 and October 15. The most likely cause is utilization (how much of your card limits you're using). Your profile shows it rose from 70% ($2,100) to 85% ($2,550 of $3,000) after the October 5 report. That followed a car repair charged to your Rewards card on September 20. One card is at 95% of its limit.

Nothing else in your profile points to a cause. You have no late payments or negative items, and no new hard inquiries in the last 12 months. Your on-time payments are helping. Lenders report on their own schedules, so this is a snapshot of one reported balance.

2. Using Credit Builder savings to pay down cards

Your profile shows a savings balance of $42. The guidance I have says you get the savings back after the 24 months end, with $144 minus any unpaid amounts. It doesn't say you can withdraw early. I can't confirm if that's allowed, and cancelling early would close the account. Please ask human support (Help > Chat with support) before counting on it.

3. A personal loan from the Marketplace

I don't have details on specific loan offers, so check terms on the offer page. Here is the tradeoff:

• Applying usually triggers a hard inquiry (a lender's credit check), which can affect scores. It also adds a new account.
• Paying off the cards could lower your utilization, but only if balances don't climb again.
• Marketplace partners may pay the app when a user is approved. Approval isn't guaranteed, and I can't estimate your odds.
• Paying down the cards directly lowers utilization with no inquiry.

Next step: Check your card due dates, then see how much extra you can put toward the Rewards card, which is at 95%.

1. Getting your savings back
You get your savings balance after the 24 months end, which is $144 minus any unpaid amounts. You started on 2026-06-01 and have made 4 on-time payments, with 20 payments remaining. Your profile shows a savings balance of $24 so far. The next payment is due 2026-11-01. I don't have an exact payout date, so human support can confirm that (Help > Chat with support).

2. Would a secured card help?
It could. Right now your only account is an installment loan (fixed payments, set end date). A card is revolving credit (a limit you can borrow from again and again), so it would add a different type of account. The details:

• You put down a refundable deposit of $50 to $2,000, and that sets your limit.
• There is no annual fee and no hard inquiry to apply.
• The APR (yearly interest rate) is a variable 27.99%, charged only on balances you carry month to month.
• Paying before the statement date lowers the balance that gets reported.
• After 8 consecutive on-time payments, the card is reviewed for an upgrade to an unsecured card. An upgrade is not promised.

No one can promise a score change.

3. Would a Marketplace application hurt your score?
It might. Applying through a partner usually triggers a hard inquiry (a lender's check of your credit report), and that can affect your score. Your profile shows 0 hard inquiries in the last 12 months. Some issuers offer prequalification, usually a soft inquiry that doesn't affect scores. Prequalification is not approval. Marketplace partners may pay the app when a user is approved. Seeing an offer doesn't say anything about your approval odds.

Next step: If you want a card, compare the secured card terms with a Marketplace offer, and check whether the offer has prequalification before you apply.

1. Getting your savings back
You get your savings balance back after the full 24 months. That is $144, minus any unpaid amounts. You started on 2026-06-01 and your profile shows 4 on-time payments and 20 payments remaining. Your profile shows a savings balance of $24 so far. Your next payment is due 2026-11-01.

2. Would a secured card help?
It can. A secured card is a card backed by a refundable deposit, and your limit equals the deposit. You have no revolving account (a card or credit line you can reuse), so a card would add one. Your profile shows no card history.

• The deposit is $50 to $2,000, and there is no annual fee.
• The APR (yearly interest rate) is a variable 27.99% on balances you carry month to month.
• The statement balance and payment status are reported monthly to all three bureaus.
• Paying before the statement date lowers the balance that gets reported.
• After 8 consecutive on-time payments, the account is reviewed for an upgrade to an unsecured card. An upgrade is not promised.

Applying for the secured card does not trigger a hard inquiry (a credit check that can affect your score).

3. Would a Marketplace card application hurt your score?
It might. Applying through a partner usually triggers a hard inquiry from that issuer. Inquiries and new accounts can affect scores, and the effect depends on your whole report and the scoring model. Your profile shows 0 hard inquiries in the last 12 months. Some issuers offer prequalification, which is typically a soft check that does not affect scores. Prequalification is not approval.

Marketplace partners may pay the app when a user is approved. Applying can be reasonable, and you can compare APR, fees, and terms on each offer page.

Next step: Before you apply for anything, decide whether you want to compare the secured card's terms with a Marketplace offer, and check each offer page for a prequalification option.

Three questions, so I'll take them in order.

1. Will you get your $60 back right away?
I can't say. I don't know what happens to savings if you cancel early, and I can't cancel the plan for you. Your profile shows a $60 savings balance. The full $144 comes back only after all 24 months, minus any unpaid amounts. Please ask human support (Help > Chat with support, or support@example.com) before you cancel.

2. Would closing it hurt your score or utilization?

• Utilization: No. Credit Builder is an installment loan (fixed payments, set end date), so it isn't part of your 47% utilization (how much of your card limits you're using).
• Score: I can't predict a change. Cancelling closes the account, but it stays on your report with its payment history. You'd lose a steady stream of on-time payments (10 so far, no lates) and some credit mix, meaning a blend of account types. You'd have 14 payments left.

3. Can you ask the store card to remove the late?
You can send a goodwill letter, which asks them to remove an accurate late payment as a courtesy. They don't have to agree. Paying the past-due amount on Oct 2 brought the account current, but it doesn't erase the 30-day late reported Sept 28. A letter works best for a one-time slip on an otherwise clean account. Say what happened, that you're current now, and that you'd appreciate their consideration. If they say no, the late can stay up to 7 years from the original missed date (Aug 25, 2026).

Your store card balance is $900 on a $1,500 limit, which is 60% on that card. Paying it down helps utilization more than the late-payment letter will.

Next step: Contact human support to ask exactly what you'd get back if you cancel before deciding.

1. Getting your $60 back
I can't say. Your profile shows a $60 savings balance, but I don't know what happens to savings paid in early if you cancel, or how fast. The plan's full payout comes after 24 months. I also can't cancel it for you. Human support can confirm the amount and timing before you decide.

2. Score and utilization

• Utilization (how much of your card limits you're using): No change. The Credit Builder plan is an installment loan, so it isn't part of that ratio. Yours is 47% now. The store card is the high one at 60% ($900 of $1,500).
• Score: I can't predict it. Cancelling closes the account, but it stays on your report with its history, up to 10 years if in good standing. You'd lose future on-time payments being reported, though. Payment history is the biggest score factor, and you have 10 on-time payments so far.

Paying down the card before its statement closing date is usually a stronger lever for utilization.

3. Letter about the late payment
You can send a goodwill letter, which asks the creditor to remove an accurate late mark as a courtesy. They don't have to agree, and I can't promise it works. It fits best for a one-time slip on an otherwise clean account, which is your situation. Paying the account current on Oct 2 didn't erase the mark. Left in place, it can stay up to 7 years from the original missed payment date of Aug 25, 2026, and its weight fades as it ages and on-time payments build up.

If money feels tight, you can also ask your creditors about hardship programs or payment plans, or talk to a nonprofit credit counselor.

Next step: Open Help > Chat with support and ask what happens to your $60 savings balance if you cancel.

1. Would rent reporting move your score?
It might, but it's not certain. Rent reporting costs $4 per month. Past rent (up to 12 months) can be added for a one-time $25 fee. The app reports on-time rent to TransUnion and Experian only, not Equifax. It also only helps if the lender uses a model that counts rent. Your profile shows your score is VantageScore 3.0, which can count rent. FICO 8 ignores it, and lenders pick their own model and bureaus. Your profile shows no payment problems, so rent would add positive history, but I can't say if or how much your score would change.

2. What happens to the money you've paid in?
I don't know. Your profile shows a savings balance of $42, with 7 on-time payments made and 17 remaining. But I can't see the rules for early cancellation, and I can't cancel for you. Please ask human support (Help > Chat with support, or support@example.com) what happens to savings paid in early and whether any refund applies. Keep in mind that the full $144 savings balance is returned only after all 24 months.

3. Does the account vanish if you cancel?
No. Cancelling closes the account, but the closed account stays on your report with its payment history. Your 7 on-time payments would stay part of that record.

One more point for your cards: your profile shows 85% utilization (how much of your card limits you're using), with $2,550 owed on $3,000 in limits. Paying down card balances is the most direct way to lower that. The Credit Builder plan is an installment loan, so it doesn't count in utilization either way.

Next step: Ask human support what happens to your $42 in savings if you cancel, before you decide.

1. Would rent reporting move your score?
It might, but I can't say it will or by how much. Two things must be true: the score uses TransUnion or Experian data, and the model counts rent. The app does not report rent to Equifax. Your profile shows a VantageScore 3.0 of 655, and that model can count rent. Each lender picks its own model and bureaus, though, and FICO 8 ignores rent.

Rent Reporting costs $4 a month. Up to 12 months of past rent can be added for a one-time $25 fee. Your profile shows no rent reporting on file.

2. What happens to the money you've paid in?
I don't know. Your profile shows a savings balance of $42 and 7 on-time payments, with 17 remaining. The plan returns $144 minus any unpaid amounts after 24 months. I can't say what happens to savings paid in early if you cancel, and I can't cancel for you. Human support can confirm that: Help > Chat with support, or support@example.com.

3. Does the account vanish?
No. Cancelling closes it, but the closed account stays on your report with its payment history. In good standing, it can stay for up to 10 years. Your 7 on-time payments would stay part of that record.

One note on your plan to redirect the $6: your cards are at 85% utilization (how much of your limits you're using), with $2,550 owed on $3,000 in limits. Paying them down may help your score. The Credit Builder plan is not a card, so it doesn't affect that figure either way.

Next step: Ask human support what happens to your $42 in savings before you decide on cancelling.

1. Stopping payments on the Bank credit card

Please don't do this. Debt Settlement only covers accounts that are charged off (written off by the lender as unlikely to be paid) or in collections. Your profile shows the Bank credit card is open and current, so it doesn't qualify. Skipping payments to try to qualify would also hurt you:

• A payment 30 or more days late can be reported as late and may lower your score.
• Interest and fees can add to the $240 balance.
• Even if it did qualify, the service charges 20% of the amount saved, and no result is guaranteed.

Your profile shows no negative items and utilization (how much of your card limits you're using) at 12%. That is a strong spot to protect. If paying ever gets hard, call the card company about hardship options first.

2. Credit Builder after it's done

A closed account in good standing generally stays on your report, along with its payment history. I can't confirm exactly how long it stays, and the bureaus control that. Your profile shows 22 on-time payments and 0 late ones, with 2 payments left. The next payment is due 2026-11-01. That clean history stays part of your record after the plan ends.

When the plan ends, you get back your savings balance: $144, minus any unpaid amounts. Your profile shows $132 saved so far.

Next step: Make your Credit Builder payment due 2026-11-01 on time.

1. Stopping payments on your Bank credit card

I'd steer away from that. Debt Settlement only works for accounts that are charged off (written off by the lender as unlikely to be repaid) or in collections. Your profile shows your Bank credit card as open and current, with a $240 balance, so it doesn't qualify. Skipping payments to qualify would also cost you. A payment 30 or more days late can be reported as late, and your profile shows no late payments or negative items right now.

Even if an account did qualify, the service charges 20% of the amount saved, and any forgiven debt may be taxable. Outcomes vary and creditors don't have to agree.

If money ever gets tight, ask your card issuer about hardship options or talk with a nonprofit credit counselor first. Both are free or low cost.

2. Your Credit Builder plan after it ends

It doesn't disappear when you finish. Your profile shows 2 payments left, with the next one due 2026-11-01. A closed account in good standing can stay on your report for up to 10 years, and it keeps its payment history. Your profile shows 22 on-time payments and no late ones, so that history is a positive one.

When the plan ends, you also get back your savings balance: $144 minus any unpaid amounts.

Next step: Make your Credit Builder payment due 2026-11-01 on time so the plan finishes with a clean record.

1. Which bureaus see what

• Rent Reporting sends on-time rent to TransUnion and Experian. It does not go to Equifax. It costs $4 per month, and adding up to 12 months of past rent is a one-time $25 fee.
• Bill Reporting sends on-time phone, internet, and utility bills (like electric) to Equifax only. It is free.
• Late rent or late bills are never reported through the app.

Your profile doesn't show either one turned on. Also, your score is VantageScore 3.0, which can count rent. Each lender picks its own model and bureaus, so what a lender sees will vary.

2. Payments or balances
Both matter, and they work differently. Payment history is the largest factor (about 35% of a FICO score). Your profile shows no late payments, which is a real strength. Utilization (how much of your card limits you use) is also a big factor. Your overall utilization is 85% ($2,550 of $3,000), and your score moved from 668 to 655 since September 15. Your balances rose from 70% to 85% in that period, which may be part of why. I can't say how much.

3. How low for the Rewards card
There's no exact point where a balance stops hurting. Lower is generally better, and scoring models look at both each card and your overall use. Your Rewards card is at $1,900 of $2,000, which is 95%. Paying it down toward a lower share of its limit may help, and the same goes for your overall figure. I can't predict a score change from any amount.

Next step: Pick a monthly amount you can afford to put toward the Rewards card balance, while still paying every minimum on time.

1. Which bureaus would see what

• Rent Reporting sends on-time rent to TransUnion and Experian. It does not go to Equifax. It costs $4 per month, and adding up to 12 months of past rent is a one-time $25 fee.
• Bill Reporting is free. It sends on-time phone, internet, and utility payments (like electric) to Equifax only.

Your profile shows neither is on right now. Your score is VantageScore 3.0, which can count rent. Whether it counts depends on which bureau's data that score uses, and your profile doesn't say. Lenders also pick their own model and bureau.

2. Payments or balances
Both matter, and you are doing well on one. Payment history is the largest piece, about 35% of a FICO score. You have no late payments, which is a real strength. Amounts owed, including utilization (how much of your card limits you use), is about 30%. Your profile shows utilization at 85% ($2,550 of $3,000), so that is the part most likely holding you back. Your score moved from 668 to 655 since last month, and the balance jump from 70% to 85% on October 5 is a likely factor.

3. Rewards card target
Your Rewards card shows $1,900 on a $2,000 limit, which is 95%. Common guidance is to stay under 30%, and under 10% tends to be better.

• Under 30%: a balance below $600
• Under 10%: a balance below $200

Issuers usually report the statement balance, so paying down before the statement closing date lowers what gets reported. Under most current models, once a lower balance is reported, the high utilization usually stops weighing on the score. I can't predict how many points that would add. Your Bank card is at 65% ($650 of $1,000), so it is also above 30%.

Next step: Check your Rewards card's statement closing date, then make a payment before that date.

1) Unpaid rent in collections
No. Paying a non-medical collection does not remove it. It shows as paid. A collection can stay on your reports up to 7 years from the original date of first delinquency, and paying it or selling it to another collector does not restart that clock. Some scoring models, including VantageScore 3.0 (the one your profile shows), ignore paid collections. Other models, like FICO 8, may still count them. Mortgage lenders may use different models than the one you see here. Your profile shows no collections now, and your rent is current.

2) Phone and electric bills
They can, but not in the same way. Bill Reporting is free. It sends on-time phone, electric, and internet payments from your linked bank account to Equifax only, not Experian or TransUnion. Your profile shows it is not turned on. Whether it helps depends on the scoring model and whether a lender pulls Equifax. No one can promise a score change.

3) Paying your card to $0
You don't need to. Your profile shows utilization (how much of your card limits you're using) at 22%, with a $550 balance on a $2,500 limit. That is under the common 30% mark. Under 10% tends to be better, and forcing 0% has no real benefit. Issuers usually report the statement balance, so paying before the statement closing date lowers what gets reported. If you wanted to get under 10%, that would mean a reported balance of $250 or less on your card.

Keep making on-time payments on the card, the auto loan, and your rent.

Next step: Check your card's statement closing date, and pay the balance down to your target before that date.

1) Unpaid rent in collections
Paying it would not remove it. A paid non-medical collection shows as paid, and it can stay on your report up to 7 years from the original date of first delinquency. Paying or resale to another collector doesn't restart that clock. VantageScore 3.0 (the model behind your 641) ignores paid collections, and so do FICO 9, FICO 10 and VantageScore 4.0. FICO 8 still counts them. Your profile shows 4 months of on-time rent and no collections, so this is general information.

2) Phone and electric bills
Partly. Bill Reporting is free, and it sends on-time phone, electric and internet payments to Equifax only. Your rent goes to TransUnion and Experian, so the two reach different bureaus. Your profile shows Bill Reporting is not turned on. Whether a lender sees these payments depends on which bureau and score model it uses. Nothing is promised, and it does not offset your 30-day late payment from 2024.

3) Paying your card to $0
You don't need $0. Your profile shows utilization (how much of your card limit you use) at 22%, which is $550 on a $2,500 limit. Under 30% is the common guidance, and under 10% tends to be better. Issuers usually report your statement balance, so paying before the statement closes lowers what gets reported. Forcing 0% brings no real extra benefit. Don't carry a balance just to build credit.

Next step: Ask your mortgage lender which score model and bureaus it uses, so you know whether rent and bill history will be counted.

1. Rent on TransUnion, bills missing

Nothing looks broken. Bill Reporting sends your on-time phone, electric, and internet payments to Equifax only, not to TransUnion or Experian. Your profile shows all three bills active, with 8 months reported each. They should show on your Equifax report. Your rent is reported separately, so it can show up at a different bureau. If the bills are missing from Equifax too, or the app isn't detecting a payment in your linked account, human support can check (Help > Chat with support).

2. Score going from 695 to 702

I can't say for sure. Your profile shows no negative items and no new hard inquiries in the last 12 months. It does show on-time payments on your Secured Card, Credit Builder, and rent. Your utilization (how much of your card limits you're using) is 12%, with $300 across $2,500 in limits. Small moves with no new negative item are normal, and lenders report on their own schedules. Your score is VantageScore 3.0, and other models or bureaus may show different numbers.

3. A missed final electric bill

It would matter. The app only reports on-time payments, so a late bill wouldn't be reported by us. But the utility can still send an unpaid bill to collections on its own. Accurate collections can stay on your report up to 7 years from the first missed payment.

If it did go to collections and you paid it, it would not come off. It would show as paid. Some scoring models, including VantageScore 3.0, ignore paid collections, but others, like FICO 8, may count them. No one can promise removal.

Setting a reminder, or asking the utility about a final bill date and forwarding address, is a simple safeguard.

Next step: Add the final electric bill to your calendar now, with a due date reminder a few days early.

1. Rent shows, but bills don't

Nothing sounds broken. Rent Reporting sends on-time rent to TransUnion and Experian. Bill Reporting sends your phone, electric and internet payments to Equifax only. So your bills won't show on a TransUnion report. Your profile shows all three bills active for 8 months each, so check your Equifax report. If they're missing there, contact human support (Help > Chat with support).

2. Your score, 695 to 702

Your profile doesn't point to one clear cause. A few things fit:

• Your utilization (how much of your card limits you're using) is 12%, with $300 owed on $2,500 in limits.
• You have no negative items and no hard inquiries in the last 12 months.
• Your recent payments were all on time.

Small moves with no new negative item are normal. Lenders report on their own dates, and your score is VantageScore 3.0, which may differ from what a lender uses.

3. A missed final electric bill

It does matter. The app only reports on-time payments, so a late bill wouldn't be reported by us. But the electric company can still send an unpaid bill to collections on its own, and that can appear on your report.

If that happened, paying it wouldn't remove it. A paid collection shows as paid. VantageScore 3.0 ignores paid collections, but other models, like FICO 8, may count them. Nobody can promise it would come off early. A collection can stay up to 7 years.

Easiest fix: pay the final bill before you move, and confirm the closing date and forwarding address with the utility.

Next step: Set a reminder now to pay your final electric bill and confirm your forwarding address with the utility before your move.