@Anonymous wrote:
I think it is the # of cards and % util. Just get only 1 to show a balance hopefully under 9%. I let my balances go natural but do pay biweekly. This past month I got killed on Disco and Citi DC as my % util went from 5% to 35% because of new purchases just before statements closed. I took at 22 point (vantage) hit for that.
I'm trying to get my % Util down, but it seems paying down debt is not yet working, got another alert that my TU score dropped 8 points from paying off the one CC.