finally some of balances on my accounts are updated but

[SnowBowl]

my CS has gained only 2 points ??  This doesnt sound right to me ?? I was expecting more than that.    couple of alerts on MyFICO is showing decreased balance of $1,302 and $2,856 and decreased by 99% on both accounts compare to last month which is Barclays which is good for me because I want to apply for their Ring card. here the list of accounts with balances they have not yet update to CR.

Cap1, US Bank, Discover and FP.

[NRB525]

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@SnowBowl wrote:

my CS has gained only 2 points ??  This doesnt sound right to me ?? I was expecting more than that.    couple of alerts on MyFICO is showing decreased balance of $1,302 and $2,856 and decreased by 99% on both accounts compare to last month which is Barclays which is good for me because I want to apply for their Ring card. here the list of accounts with balances they have not yet update to CR.

Cap1, US Bank, Discover and FP.

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Not enough information.

What was your open balances owed when all 6 cards reported balances last, and percentage utilization overall?

Subtract $1,302

Subtract $2,856

What is the current open balances on the remaining 4 cards, and percentage utilization overall, now?

Kudos on the big payments. The score will rise, but it depends on the timing of the total utilization decline.

[SnowBowl]

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@NRB525 wrote:

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@SnowBowl wrote:

my CS has gained only 2 points ??  This doesnt sound right to me ?? I was expecting more than that.    couple of alerts on MyFICO is showing decreased balance of $1,302 and $2,856 and decreased by 99% on both accounts compare to last month which is Barclays which is good for me because I want to apply for their Ring card. here the list of accounts with balances they have not yet update to CR.

Cap1, US Bank, Discover and FP.

---

Not enough information.

What was your open balances owed when all 6 cards reported balances last, and percentage utilization overall?

Subtract $1,302

Subtract $2,856

What is the current open balances on the remaining 4 cards, and percentage utilization overall, now?

Kudos on the big payments. The score will rise, but it depends on the timing of the total utilization decline.

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Okay, I agree not enough info .. here the ones they have not yet updated to CR.  as it stand now my UTIL is at 26% as you can see I noted 2 accounts as PIF has not been updated to CR Also my UTIL was hoovering around 39% at one point little bit over a month ago.

Cap1 BAL $1480 - CL 1.7K PIF

US Bank BAL 1K - CL 3K

Discover BAL 1.1K CL 1.4K PIF

FP BAL $680 CL 1K

[NRB525]

Yeah, give it time.

My balances are coming down also, but it seems like the CRA say "Yeah, sure, the balance is coming down now...Let's see what it looks like next week, shall we?" It's a slow process to allow the algorithms to update.

Many folks on here say "FICO has no memory of utilization", but it's not an instant forgetfulness.