I want a score estimate from you guys

[glamchick]

My currect score is =  530 tu    585 ex    575 eq

I paid down my only two of my credit cards to 10 and 25% utl     what do you think my score will be next month?

Any guesses?

[Anonymous]

Well what is the current UTL on these cards?

10-15 points per 10% of UTL is about right-

The Score simulator is far more accurate than us-

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glamchick wrote:

My currect score is =  530 tu    585 ex    575 eq

I paid down my only two of my credit cards to 10 and 25% utl     what do you think my score will be next month?

Any guesses?

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[glamchick]

Card #1  limit $300 - Balance $60.00

card #2  limit $250 - Balance $23.18

[glamchick]

Sorry I meant to mention card #1 is new and card #2 is old but had a high balance all the time.

[Anonymous]

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glamchick wrote:

Card #1  limit $300 - Balance $60.00

card #2  limit $250 - Balance $23.18

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Not sure what you mean pay down to 10 and 25% util?  You already have 20% and 9%.

Overall you're around 15%.  That's not bad at all.

Ideally, pay one off completely and put the other one at 1-9%.  The cheapest way to do this would be to pay $33 on card #1 and pay all of Card #2 ($23.18).

I'm not sure you'd get much of a FICO boost though.  You'll probably get something for going under 10% overall, but as I said before, your utilization is not that bad as it is.