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From 117% utilization to 1%...My scores' increase

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Moderator Emeritus

Re: From 117% utilization to 1%...My scores' increase


Objectivist wrote:

UPDATE: My score went from 657 to 736. From 117% to 1% in a month.


I'm sorry I was off by 40 points. Smiley Sad

 

But wrong in your favor. Congrats!!  Smiley Very Happy

Moderator Emeritus

Re: From 117% utilization to 1%...My scores' increase

I think that's a good indicator of how much util affects your score.  Congrats!!!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
New Member

Re: From 117% utilization to 1%...My scores' increase

This is amazing! I just paid off my biggest credit card two days ago in one fell swoop and I can't wait to see how much my score goes up. After that I'm going to pay my lower balance cards down to zero in the next month or so. Your post has me so excited and hopeful. My util was about 95%. 

Valued Contributor

Re: From 117% utilization to 1%...My scores' increase

Welcome Starsandbucks, Congrats on paying your biggest balance. That's gotta feel great!


Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Regular Contributor

Re: From 117% utilization to 1%...My scores' increase

Yes, Util has a big impact on Score. I was at 85% in Jan, I am at 25% now and my scores went up 53 pts.