Depends on what else is on your CR, but you could see a bump due to the decrease in util.

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Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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liodane23 wrote:
Can anyone add to this currently 3cc @ 27% and other @37% only one negative item from 2003 states closed 0 balance.

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Maybe a stupid question but isn't this too old to still be reporting? 

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QAMngrGirl wrote:

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liodane23 wrote:
Can anyone add to this currently 3cc @ 27% and other @37% only one negative item from 2003 states closed 0 balance.

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Maybe a stupid question but isn't this too old to still be reporting? 

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Depends on the negative, tax liens or renewed judgements for example but yes most are there for 7-7.5 years give or take.  If the negative is one of those which is supposed to come off after the usual period, disputing as obsolete is recommended.  

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Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 660, Wally TU 697, EX unknown (05/13/13)
Goal Score: 680 in all three (01/01/14)

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You should see an improvement when the CC's report the new balances to the CRA's. This will usually take place a few days to a week after the statement is cut.

Regarding the negative from 2003, when did you close that account? If it was a CC it should disappear ten years after closing.

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