HELP! I need a 40 point increase by next month

[dnice77]

One thing to note, depending what you need the increase for, 40pts here may not be the same on  a mortage or auto pull.

Pay as much as you can but not to zero, you should see some increase but 40 may be  stretch. Depnds on your file thickness history etc

[Anonymous]

I get an alert today saying your credit card balance has decreased by $270 oh but so did your score by 7 points NO OTHER CHANGES! I watch my report (not score) like à hawk to make sure nothing is added or removed that could cause damage. So no other changes but my score decreased because I paid DOWN my CC. **bleep**

[Barneygirl]

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@Anonymous wrote:
I get an alert today saying your credit card balance has decreased by $270 oh but so did your score by 7 points NO OTHER CHANGES! I watch my report (not score) like à hawk to make sure nothing is added or removed that could cause damage. So no other changes but my score decreased because I paid DOWN my CC. **bleep**

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happened to me last month as well... dropped my utilization by paying down my CC debt.  FICO 08 obviously doesn't LIKE when you pay down your debt!  I've been reading it all over the board... same thing happening to a LOT of people.

Keep in mind, mortgage scores are NOT FICO 08... thank goodness!

[Anonymous]

another alert today - TU SCORE WENT UP 11 POINTS

MYFICO EX 619- EQ 594- TU 605   However EQ power score (04 )is 639  (04 VERSION IS ALL I CARE ABOUT)