cancel
Showing results for 
Search instead for 
Did you mean: 

Is this what I should expect? Also score boost stories.

tag
lonno925
Established Member

Is this what I should expect? Also score boost stories.

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.)

AE store-3600 | Local Bank-5000 | BofA Travel-7000 | Discover IT- 8000 |Chase Freedom-3000 | Chase Slate - 1000 | Amex Blue Cash - 2000
Message 1 of 3
2 REPLIES 2
user5387
Valued Contributor

Re: Is this what I should expect? Also score boost stories.

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.

 

Message 2 of 3
lonno925
Established Member

Re: Is this what I should expect? Also score boost stories.

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. 

AE store-3600 | Local Bank-5000 | BofA Travel-7000 | Discover IT- 8000 |Chase Freedom-3000 | Chase Slate - 1000 | Amex Blue Cash - 2000
Message 3 of 3
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.