Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
Re: Approved for Discover

Flying_High wrote:

No baddie, FICO-TU741, FICO-EQ692, 726, Goodies I PIF have 3 CC, I dont know what utili is?

Poster is referring to overall utilization.


Meaning all of your CC balances divided by all of your CC CL's and the number you get is your overall util %. You want to keep that below 10% when looking for new credit and below 30% when not.


Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014