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Wow this sucks for me I have 4 no limit cards. 2 Amex and 2 Signature Visas. My utilitu just reached 9% it was always 0% but I booked my entire families vacation on my Amex for the points. That would be ZERO pretty soon. Thanks for the advice I'm going to use my Blue amex instead of Plat.
JayToo wrote:
OP, I see your 9% util. I know common advice is to have between 1-9% util, but I have seen better scores with utilization at 1% than 9%, all else being equal. "YMMV" but i have seen this over time, as my scores have ranged from the 790s to the 820s. Just a factor to consider. (Oh, btw, also consider 'per-card' utilization in addition to over-all utilization --ETA: for example, I got dinged pretty good for having a 'no limit' card show about 40% util one month on EX, when my overall util was still 1% ) GL!
Message Edited by JayToo on 02-18-2008 01:56 PM
haulingthescoreup wrote:
How recently did they drop off? Did the last bad one fall off between last time you pulled and now? If so, you might have moved into a new bucket, your scores dropped, and then they came back up before you pulled again.
Otherwise, it might be that you're just in a holding pattern for now while your history gets older. Hard to say for sure!
(And no other baddies or anything snuck on, right? No balances went up, no new inqs, no difference between the last reports and these?)
edit: Oh, also, do you have more overall accounts with balances than before? Like last time it was 7 out of 15, and now it's 8 out of 15. This includes loans, mortgages, etc.
Message Edited by haulingthescoreup on 02-18-2008 01:30 PM
esshua wrote:My score jumped to 799 when I brought my utilization down to 1%....
ddd wrote:
esshua wrote:My score jumped to 799 when I brought my utilization down to 1%....From what? I had it at Zero for like 6 months thats I went from 680's to the 730's do you think If I wipe out my score I can got to 790's? What was youre score before the Jump?
JayToo wrote:
This no-limit issue seems to be particularly bad on EX (similar to MV getting hit on EX with his HELOC). On TU and EQ it seems correctly factored (and show as "open"-type accounts), but on EX it is definitely a negative quirk.
@Anonymous wrote:
@Anonymous wrote:
This no-limit issue seems to be particularly bad on EX (similar to MV getting hit on EX with his HELOC). On TU and EQ it seems correctly factored (and show as "open"-type accounts), but on EX it is definitely a negative quirk.wow i'm in trouble MOST of my cards except for a BOA Visa and BLUE Amex and Discover are NL. Cop Amex. Plat Amex, U.S WP Signature and Southwest Signature
JayToo wrote:
btw, esshua, your siggy made me think about my "1% better than 0%" comment above as you push through that 800 mark. Do you mind me asking what your longest TL age and ave age on EQ? Mine are about 15 and 7 years, respectively.
@Anonymous wrote:
@Anonymous wrote:
btw, esshua, your siggy made me think about my "1% better than 0%" comment above as you push through that 800 mark. Do you mind me asking what your longest TL age and ave age on EQ? Mine are about 15 and 7 years, respectively.Length of Credit History 15 Years, 6 MonthsAverage Account Age 9 Years, 4 Months