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Raising credit scores

Moderator Emeritus

Re: Raising credit scores



l9ikjam wrote:
I got a AMEX card with a $1000 limit. I had a $654 balance on the card and my TU score went from 708 to 688 until AMEX updated my next months balance. My UTL was still under 9% across all of my cards.

Yep, individual utilization is just as important as overall utilization.  I got 10 points on EX when my Amex util went from 42% to 2%, even though my overall util only went from 8% to 6%.

 
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App free since 7/11/08.
TU 744 / EX 710 / EQ 694 (Starting to slip. Smiley Surprised )
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