So... in trying make sure I have things lined up for an auto loan app (not immediately but upcoming) I pulled my scores today. I did it today because my Credit Karma score went up 29 points on the weekly update last night which tells me that recent CC payments have been applied (mostly) and probably raised my FICO as well. The FICO reports still show two CC balances higher than they are but they'll report this month helping my scores further.
FICO report shows my utilization at 29% when I'm actually at 20%. (Down from 80% or so a year ago).That all being said, scores as of today are:
Credit Karma: 729
TransUnion: 730
Experian: 728
Equifax: 707 (surprised this one is 20+ pts. lower than the others)
DTI: 33% (Rent + 3 min. CC payments totaling $75 + imputed loan payment of $375.00 / gross monthly income)
So I'm not loving the 707 EQ but I think I should be ok for a car loan getting a good rate. Looking at DCU's 1.99% unless Hyundai has a 0% coming up.
Thoughts?
Credit Cards
Chase Slate (16.4K) / First National AmEx (12.7K), Citi AAdvantage (11K), Barclay Arrival (10.5K) / Capital One Quicksilver (10K), Wells Fargo Rewards (9K) / Chase Sapphire Preferred (8K) / DCU Platinum Rewards (7.5K) / Citi ThankYou Premier (6.2K) / Discover IT (4.4K) / CapOne Venture (5K) / JC Penney Mastercard (1.6K) / Citi Simplicity (3.8K) / AmEx Starwood Preferred (3K) / AmEx Blue Preferred (3K) / Citi Diamond Preferred (1.2K)
Store Cards
Firestone (1.2K) / Marathon Gas ($930) / Fingerhut ($750) / Best Buy ($550) / Citgo ($300) / Macy's ($200) /
