Util % Prediction?? (TU98 vs. TU04)

[MarineVietVet]

I think no one has answered because there is no answer. There is no way to predict/guess what might happen.

You'll know for certain after everything has updated.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[MBOhio2]

I'm not looking for answers, just guesses based on previous experiences. There are posts upon posts from others providing feedback on how their TU98 and TU04 have fluctuated based on various factors, which has led some to say that certain things, (e.g. util %) weigh more heavily in one model than the other. Therefore, I am hoping those same people can provide insight about my own experience.

[MarineVietVet]

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@MBOhio2 wrote:

I'm not looking for answers, just guesses based on previous experiences. There are posts upon posts from others providing feedback on how their TU98 and TU04 have fluctuated based on various factors, which has led some to say that certain things, (e.g. util %) weigh more heavily in one model than the other. Therefore, I am hoping those same people can provide insight about my own experience.

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I understand but guesses are just that. And what happens with one person's score based on a certain action might not be duplicated again in 100 other situations.

But that's just my view. If anyone supplies you with a guess I hope it is spot on when you finally pull your updated scores. 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[MBOhio2]

I just paid $2500 toward the LOC, which will have the following results on my util %s:

Overall = 22% (down from about 29%)

LOC = 28% (down from about 36%)

I need 13 points with EQ (or 10 points with TU04, but I can't pull that myself) - I'll provide an update on how this impacts my score early next week!