As the thread title says, DW has a PenFed AMEX which she was only an authorized user on showing the full balance after BK7 discharge. It was my account and she is the AU. This is putting her utilization at 110%, no wonder her score is so low. Her new Capital One $3k limit is not reporting yet. We disputed it and nothing happened. Any ideas?
Edit 10/14 - Disregard. I happened to just now check and the account is gone. Score on TU Vantage 3.0 is still stuck at 626, didn't move.
BK7 Discharged 08/2021 Household Income 95k
Scores: Fico9 Equifax 663 | TU 694 | Experian 628 Vantage 3.0 TU 737 | EQ 726
Cards:
Tri-CU $3k
Capital One Quicksilver One $3K
Mercury Master Card $3.3k
Upgrade Visa $10k
NFCU Visa Platinum $2000
Alphaeon Card $3600
Dell Preferred $4500
WM Mastercard $1000
Credit One AMEX $1000
Kohl's $800
Ollo Mastercard $2000
Target Red Card $1200
Cabela's Mastercard $3k
