What can i expect as a score change

[AVeryHappyDad]

I know my situation is going to be different from someone else's, but I am trying to get an idea of what I may gain from some recent changes.

I paid or had deleted several baddies on my CR, and my scores have gone from mid 500's to 600's very rapidly.  However, my utilization was super high on my CC's and I was, of course, limited in what credit I had available.  So, here is what I did.

USAA Secured AMEX was at $2278/2500, paid it to $1100/2500, will report on the 24th

Opened an NFCU with a $2K CL,(small, but great for a rebuilder), hasn't reported yet

GECRB/JCPenney (oldest account) $5200/5400, but paid to $3000/5400

I am hoping for a 40 point increase, but I am trying to be realistic.  Would anyone care to give me a dose of reality.  Nothing else changed, nothing is late, nor any new baddies.

[llecs]

What's the current balance on the NFCU?

[AVeryHappyDad]

$12

[llecs]

Do you have anything else reporting that can factor into util like other CCs, HELOCs, LOCs, CC COs?

If nothing else, and assuming each balance reports, then util drops 95% to 42%. If you don't have any other CCs, then I can see 30 or so gain if all else is equal with a potential small loss taking away from that due to the new credit.

[AVeryHappyDad]

No, nothing else.  Thanks very much

[MarineVietVet]

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