credit card utilization

[Shawndoe79]

scores as of 12-15-15 EQ 651, TU 638, EX 644

Just paid off 10k in credit card debt, left small balance on some (under 10%), how much do you think my scores will jump?  No updates as of yet since paying off the debt, maybe towards the end of December/First of January, they should all update

[Anonymous]

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@Shawndoe79 wrote:

scores as of 12-15-15 EQ 651, TU 638, EX 644

Just paid off 10k in credit card debt, left small balance on some (under 10%), how much do you think my scores will jump?  No updates as of yet since paying off the debt, maybe towards the end of December/First of January, they should all update

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Yes your scores will go up if everything else is unchanged but it's impossible to tell how much.  What was your utilization when you received those scores?

[Shawndoe79]

my utilization was 46% overall, but one card was at 97% and one was at 89%.  all the rest were 35% or less

[Anonymous]

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@Shawndoe79 wrote:

my utilization was 46% overall, but one card was at 97% and one was at 89%.  all the rest were 35% or less

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You should receive a sizable jump then when your reports update.  Those two were killers

[Shawndoe79]

Awesome Sauce!! Thats great news, thanks for replying

[Anonymous]

You're very welcome

[Shawndoe79]

You were right scores increased dramatically EQ 675, TU 655, EX 672, and steady climbing once everything reports

[Anonymous]

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@Shawndoe79 wrote:

You were right scores increased dramatically EQ 675, TU 655, EX 672, and steady climbing once everything reports

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Glad to hear it.  Keep it up!