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WooHOO! BT pays off! Hit the 800 club!

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NRB525
Super Contributor

Re: WooHOO! BT pays off! Hit the 800 club!

Congrats on the score improvement!

What does your utilization look like, overall and on individual cards now?

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 21 of 22
LexieCat
Regular Contributor

Re: WooHOO! BT pays off! Hit the 800 club!

OK, apparently EX has now dinged me for the balance increase on the card I transferred to.  BUT since I am now putting all the money I was putting toward the other cards into my payments on this one (and now paying $1250/month on that one balance), I expect that score to go back up shortly.  

 

I have two cards (both of which are carrying balance transfers at 0%) with high utilization:  Comentiy at 85% and Chase at 61% util.  The rest are all 16% or less.  My overall util is pretty good: less than 20% (I've got a LOT of cards with no balance).

 

As I think I mentioned, I should have all of these cards paid off late next year.  

Chase Sapphire Preferred $32k; CapitalOne Venture $30k; Chase Slate $30k; Barclaycard Arrival Plus $25k; Wells Fargo Visa $25k; Amex EveryDay $25k; Barclaycard Ring $15.5k; Lowes $10k; Barclaycard Apple Financing $9.5k; Best Buy $7k; Chase Amazon Rewards Visa $6.5k; misc. store cards

EQ 822; TU 820; EX 819
Message 22 of 22
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