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Frequent Contributor
AvaMommy
Posts: 297
Registered: ‎08-08-2012

$0 UTIL Question

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‎08-17-2012 09:52 AM

What kind of "SPIKE/JUMP" will I see with a >9% UTIL or paying down my balance on my CCs to $0 should I expect to see? Just trying to get an estimate...

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
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annielorie
Posts: 1,173
Registered: ‎02-19-2012

Re: $0 UTIL Question

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‎08-17-2012 10:29 AM

I paid down balances to o before applying for loan no lates no baddies about thirty point jump Hope tht helps

Starting Score: 0
Current Score: TR??FICOEQ ?? FICO
Goal Score: 760
Lowes2,400 Discover More 3,000 Jcpenny 2,000
Chase freedom 500 Never take NO for an answer!!
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AvaMommy
Posts: 297
Registered: ‎08-08-2012

Re: $0 UTIL Question

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‎08-17-2012 12:19 PM

Thank you for the info

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
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