Congrats on paying down your util. 95% is considered Max on your CCs. The decrease should give you a score bump, as well as it's always good to pay down debt. Just a suggestion, 9% or lower will give you the optimum as far as Util goes. Good Luck and happy house shopping.
Starting Score: 504
Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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Starting Score: 504Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Starting Score: 608 (7/29/12 TU), 615 (7/29/12 EQ), EX ???
Nella wrote:Well I only received a 13 point increase. I am up to 605 for my equifax score and I am at 43% UTI. Hopefully it will be
better next month once I pay down the rest. I really need to have a mid-score of 640.
You should get another boost paying it down further. How far out is your mortgage?
FICO can start moving fairly quickly depending on your report: in my case I didnt have much of anything positive and some random sins of my youth still on the report when I started this building plan back in December '11; was expecting 640 by the end of 2012 and instead hit it back in July much to my surprise and ironic regret... really needed to sort out my old tax lien months ago and I could've gotten clean for a mortgage this year instead of next year. Oh well live and learn 
Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)Current Score: EQ 660, Wally TU 697, EX unknown (05/13/13)
Goal Score: 680 in all three (01/01/14)
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