Update: Citi pulled EQ. Somehow, this caused my EQ FICO to go up 3 points (648->651).
I'm excited to see what my score bump will be next month; my util will go from $1700/3500 to $30/4000, and that's before my new Citi card even starts reporting. Any guesses?
Really? Nice! What does your report look like? Any baddies?
Only negative indicators are from late payments on SLs, but those have multiple 120+ lates, with the most recent reporting in Sept '11. Two open CCs and two closed CCs reporting, all with perfect payment histories; average age of those is about 5 years (oldest is 11 years, youngest is 7 months). Auto loan opened in April. Overall AAoA is 5 years.