Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
Re: Utilization Theories

Im going to have 8k/25k report on my NFCU card this month.  All my other cards will have a zero reported balance except AMEX Zync which will be about 700 (highest reported balance on this card was 8.8k).  I will pay it off in about 3 months.  During this time this will be the only card I let report a balance.  Hopefully, it will not hurt my UTIL too badly.

Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge