Posts: 14,062
Registered: ‎04-15-2011
Re: Just paid down UTI, anxiously awaiting

Congrats on paying down your util.  95% is considered Max on your CCs.   The decrease should give you a score bump, as well as it's always good to pay down debt.  Just a suggestion, 9% or lower will give you the optimum as far as Util goes.  Good Luck and happy house shopping.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!