Thanks everyone! I owe it to my fico. I didn't know about utilization, until I saw the my fico forums. They were such small cards, a couple of tanks of fuel for my truck would
max them out...lol Used them for points and to pay bills, then paid them off when I got the bill I didn't realize they reported BEFORE the payment was due.
I actually got the personal loan just for another TL. The reason I asked about the utilization is, it seems I'm just borrowing from Peter to pay Paul. It does hike up the DTI
however.