Back in early July I posted that my overall utilization went from 77% to 38% to 13%, per my post. I botched it all up, and thanks to you guys i am starting to get it, working to understand all this. You guys wanted me to update you when my scores updated. Back in early July my credit limit was $52400. I did an Amex BCE CLI and approved (today), limit was $5k now $15k. I was waiting for Citi and US Bank to report $0 (it is July 28). AFCU Visa is the only card carrying a balance July 28, card balance = $6809, limit is $20k.
My total Credit Limit is $62400 (as of July 29)
My FICO Scores on July 8
EX 756, TU 731, EQ 726 (overall utilization 38% - 40%)
AAoA 7 years, 3 months
My FICO Scores on July 28 (yesterday)
EX 802 (0 inquiry), TU 772 (2 inquiry - recent cable co pull), EQ 790 (0 inquiry)
Not sure why scores went so high, but i will take it. I think i used the right language this time. Thanks everyone for educating & helping me. Please let me know if i got all my language right. I am refinancing my house next month or so, so these scores wont stand, but nice to see it for a bit. 
