About to drop my utilization from 96% to roughly 20%.

[JustinA]

According to walmart FICO I'm at 616.

I have 1 collection reporting and 4 student loans reporting 120 late...crap. Collections are paid in full.

A good mix of lines including a mortgage store cards and major cards.

Dropping 70% utilization where would you guess my walmart FICO jumps to in 2 months? I'm hoping for a 670.

Justin

[Anonymous]

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@JustinA wrote:
According to walmart FICO I'm at 616.

I have 1 collection reporting and 4 student loans reporting 120 late...crap. Collections are paid in full.

A good mix of lines including a mortgage store cards and major cards.

Dropping 70% utilization where would you guess my walmart FICO jumps to in 2 months? I'm hoping for a 670.

Justin

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670 might be possible, but 650ish is my geuss....

[JustinA]

I'd be very happy with 650s too. Considering I was 514 2-3 years ago

[Anonymous]

I just dropped the card I'm an authorize user on from 96% to 34% and my EQ went from 637 to 655 and EX went from 606 to 643 TU hasn't updated yet all this as of today so its a good chance...

[JustinA]

So out of curiosity...not really planning to. When the scores jump to let's say 640. Would I immediately have better luck getting better cards? I'm happy with my arsenal I just like asking questions