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@crosbyk1 wrote:
I think it makes sense. So if you have clean reports little changes can effect your score in a greater way.
Yes. In a greater way that the same change in UTIL would if you were in a negative scoring bucket.
Could a 1% change in UTIL alone account for a 15 point change? Maybe not. It would seem to me that something aged too.
crosbyk1 wrote:
Does having the Amex charge card help scoring?
Perhaps so. What cc's did you have before you added these two?
Cards open=
Chase 6k
Cap 2k
Nord V 4k
BB 3.6k
Macy's 8.3k(has not reported new CL)
Wave CU 3k
Amex ?k
Cards Closed=
Credit One 750
Hsbc 1k
WaMu 1.5k
LOC Closed=
6K(My mom did this to get my credit started)
And One Installment loan
That is the basically what is on my credit report.