My credit cards are not being utilized by criminally as far as I can tell. However, I have a very large balance and high utilization on one card. I have $15,000/$16,500 on my Penfed. 0% interest until August 2014 though. Penfed and my other credit card issuers keep reissuing me new cards. When they close my accounts to issue me a new card, it reports a zero balance on my credit reports. The debt owed doesn't appear on my credit report for months until the new account pops up. So it looks like I have a lot less debt than I really do. My credit score jumped from 723 to 749. My wife's jumped from 668 to 702.
Starting Score: TU 749 02/02/2014
Those are interesting data points, thank you for sharing. My own maxxed tradeline swing is only on the order of 14 points.
