Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days... November 2022: EX8: 850; EQ8: 850; TU8: 850 -- Middle Mortgage Score: 822 In My Wallet: Discover $73.7K; Cap1 Venture $48.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $22.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $21K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $296K My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .