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I've been making large payments to bring all my balances down over the last 4 months. So far I've come from $58,900 end of December to $33270 yesterday April 19, not including car loan. I've gotten used to EQ ignoring the decreases and dropping my score when an annual fee hits on an unused card, but on the 8th of this month TU gave me a 5 point increase and on the 19th a 5 point decrease after a $1223 balance drop. Reasons for score were exactly the same as listed with the increase. Both EQ and TU have been bouncing around like this, EX hasn't been doing much, score-wise, up or down. The only thing I'm battling is the high balances and multiple cards, everything else is pretty good.
Good job on the balances pay down. That's a good fast clip.
What are your utilization percentages, starting and now?
I've gone from roughly $46k in October to $32k now, including two closed accounts, 33% utilization to about 22% utilization on only open CL. My scores took a hit due to apping since October, now starting to definitely climb.