Established Contributor
Posts: 579
Registered: ‎02-12-2011
Re: SW Alert: +16 points...sort of disappointing..

The reported credit lines were $800 and $300, the balances were $901 and $518. If they ignored the balance of $1,400 and I only received 16 points that is such a blow to my hopes of what I would get for decreasing my utilization. Like I said before, this $1,400 was playing into Utilization, which with my 4 cards is $1,200, so even if all the cards are at zero, I am over 100% utilization. "Ignoring" these technically makes my utilization ~9%..and to only see 16 points was rough.

Starting Score: EQ: 383 2/2011
Current Score: TU: 644 EQ: 648 EX: 6?? 2/2015
Goal Score: 700

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