Moderator Emeritus
Posts: 2,050
Registered: ‎04-17-2007
Re: Fico score drop 150 points after correcting/disputing CR
You are correct that keeping your utilization ratio under 35% is the way to go.  Your ratios on these accounts are 29%, 17.5% and 14.5% which is great.  The problem is that you don't know what day your creditor reports your balance info to the credit bureaus.  If your due date is the 22nd, you pay on the 20th but your credit card issuer reports on the 19th, then it doesn't matter whether you pay your bill in full or pay down a certain amount. So you need to call each creditor and find out when they report your balance to the credit reporting agencies.  Then make sure your balance is low by that date.  Make sense?
Bartender, bring another round of FICOtinis please!

9.4.2011: TU 805. EQ 815.