jwills1218 wrote:I didn't look at the TU report as carefully as I should have!
Eq: Negative
Wfnnb
Merrick Bank
Paypal
Barclays
Citizens
Wffnb - Room Store
Balances/CL: (Shows exactly the same as TU)
Amex:$4172/$4200
Amex:$1008/$1000
MB: $941/$950
BestBuy:$1924/$2500
Cap1: $467/$500
TU Negative:
WFNNB- Room Store acct (2008) *Same as equifax*
Citibank (student Loan Dec 2005) *Not on equifax*
Paypal (30 day late 2008) *Same as eq*
Citizens (30,60 late, redeemed repo) *Same as eq*
Barclays shows as no lates
Other WFNNB as no lates
Merrick Bank no lates
That's clearly what is helping my score! I have 1 negative on TU that doesn't show on EQ but I have 3 negs on EQ that don't show on TU!
I'm hopeful this month i see an increase. My balances now look like this:
Amex: $4150/$4200
Amex: $775/$1000
MB: $0/$950
Cap1: $0/$500
BestBuy: $1900/$2500
You've definitely put a dent in your util, congratulations! I wouldn't be surprised if you saw a bump in your score since you dropped your util from basically maxed out to around 75% util, and you've also now got two accounts with $0 balance which also factors into your score. Keep plugging away at those balances, you may just find some pretty good score increases when you get below 30% and then again below 20% and, finally, below 10% overall. Of course, the myFICO mantra of YMMV is always at play, so keep that in mind. 
