05-07-2012 03:49 PM
Attached is a credit calculator, in Excel format, that I've been using over time to keep track of CLI's, utilization, and balances.
TU shows specific start dates on credit reports so it's listed as a separate date in red.
My target utilization is 15% but you can adjust the formulas appropriately.
Auto-payments indicate what bills are automatically paid by which card. I'm doing this to constantly show some amount of utilization on each card per month.
Footer comments might be up for debate.
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