Huge Jump in Score

[egscoach]

Hi All,

  Recently received an 81 pt jump on my Experian from 668 to 749.  TU is at 679 and EQ is at 689.  My question is, why the huge jump?

I have my UTI at 41%, down from most recent of 65%

I have two collections, both medical.  One is due to fall off Jan 2015 ($180) and one is due to fall off March 2019 ($130).  I attempted a PFD and offered to pay in full, no response yet.

I also have two Bank of America CO's, both scheduled to fall off April 2015.  They are just sitting there and I have not attempted any action on these.

I am assuming the huge jump is Bank of America did something.  If it was BofA, is this possibly something I can expect to happen with TU and EQ?

Appreciate any thoughts and opinions.

[user5387]

You said that your utilization went from 65% to 41%.

Were you maxed out on any individual accounts?

[fishbjc]

get the medicals off with HIPPA.  Search it on google. 

[egscoach]

I was close but never went over.

My current balance/Credit Limit

Capital One  $30/500

Merrick         $350/$1550

Credit One    $1600/$2450

Fingerhut      $0/$1250

[user5387]

---

@egscoach wrote:

I was close but never went over.

My current balance/Credit Limit

Capital One  $30/500

Merrick         $350/$1550

Credit One    $1600/$2450

Fingerhut      $0/$1250

---

Utilization scoring considers both overall utilization and the utilization of individual accounts, and maxing individual cards is hard on your score.