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So here is what happened. I have a high util. About 57% before my CLI. I have 3 cards and below I will list before and after. But what I want to know is should I expect a huge bump to my score after my discover posts which is my new one of 8000 CL. It will take me to 30% util.
Before
Credit Score on credit karma 600.
4 inq
bofa card 2600/3500
bank credit 4000/5000
store card: 800/3400
Now:
Credit Score on credit karma 675.
bofa card 2500/ 5000 --- 1500 CLI
bank card 3900/5000
store card 750/3400
After discover hits.
Credit Score on credit karma ???.
bofa card 2500/ 5000 --- 1500 CLI
bank card 3900/5000
store card 750/3400
Discover 0/8000
Will i get another 75 point or more bump since my util will drop by 20% and does discover report to the one credit karma uses.
Also as an added bonus what are some of the biggest jumps you have all seen in a 1 month difference. (This one was a mere 2 weeks but lucky things posted at right times.)
I doubt another 75 points. You are carrying balances on 3/4 of your cards, which hurts, and still have relatively high utilization.
Also, CK is not an authoritative source of information on how your score is really affected by some change.
I guess that makes sense. Just surprised me when it jumped 75 points. And for some reason not sure why but credit karma is showing my lowest score. (I don't think i deserve a higher one) but its true. Quizzle and credit sesame show 690-700. Main reason I have the amounts is because of school and cause I took a semester abroad also because bofa is still 0%. My discover it card will be getting my bank credit cards value soon as I transfered it but need to wait for it to process. I guess I just have to wait. I am going to buy my scores next month sometime to get a better idea of where I fall as I want to app for csp in 3 months.