This is what I maintain monthly....:)

[creditconcept]

Whats really satisfying is letting your util go 99.998% one month, let it report, then PIF.

Your scores go to like 520 then next month go back to 800.

Thennnnn you can put a post on the forums "My score jumpped 237 points today!"

And repeat, very fun haha*

all sarcasm

[Anonymous]

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@creditconcept wrote:

Whats really satisfying is letting your util go 99.998% one month, let it report, then PIF.

Your scores go to like 520 then next month go back to 800.

Thennnnn you can put a post on the forums "My score jumpped 237 points today!"

And repeat, very fun haha*

all sarcasm

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Wouldn't happen that way. Lol.

Assuming all your cards reported same day. You'd see an approximate 110-140pt drop from ~800 if UTL went from 1% on one card up to 99% on all revolving tradelines. There are some very dependant factors at play there as well such as AAoA, credit mix, etc.

[creditconcept]

lol raining on my parade

[elim]

nevermind, i just pulled CK and i'm out the club this week  :[     2%    bahhh

[pizza1]

don't believe anything CK says...LOL..

[Anonymous]

I'm right there with you!

[creditconcept]

In my personal experience, Credit Karma is usually only wrong on days then end in "Y"....

[Anonymous]

CK offers free monitoring for 2 scores. . Why do people bag on them so much?

[Anonymous]

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@Anonymous wrote:

CK offers free monitoring for 2 scores. . Why do people bag on them so much?

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Reports, not scores. Their scores are about as accurate as a makarov with a rusted barrel.

[longtimelurker]

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@Anonymous wrote:

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@pizza1 wrote:

This is why I work so hard at my rebuilding, and yes... Some of you know that I'm OCD about this, lol! I pulled my fico reports today to see how bad of a hit I took, and too my surprise so far not too much, but 4 cards haven't reported yet.  Anyway... Some are always skeptical when I say I only let 1% report. I believe this has been a big factor in my success at rebuilding so quickly. 

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Way OCD.

Yknow, 9% aint so bad.

Neither is 29%. Lol.

Keep up the good work!

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Just to be what others call PC, one of daughers has real OCD, and it is quite a problem.   When I see it used this way, it's a little annoying, like me saying, I have app cancer  or something to a friend of a cancer victim.   Yes, ciommon usage, but so were a number of bad phrases now frowned upon!