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Ok, it doesn't sound the best but it will save me $$

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NRB525
Super Contributor
‎03-21-2015 11:45 AM
‎03-21-2015 11:45 AM

Re: Ok, it doesn't sound the best but it will save me $$

@bch238 wrote:

If you pay off the Chase card, then your credit card utilization will be 0% regardless of other open accounts.

The Kay Jewelers account should report as a CC as well, so would have some utilization reporting unless also zero.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 11 of 12
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bch238
Regular Contributor
‎03-21-2015 11:55 AM
‎03-21-2015 11:55 AM

Re: Ok, it doesn't sound the best but it will save me $$

I was assuming that the jewelry credit cards would be paid off before they were closed.

FICO Scores (MARCH 2016): EQ 829; EX 825; TU 828
AmEx BCP $25,000; AmEx Platinum (NPSL); Barclaycard JetBlue Rewards $5,000; Bank of America Cash Rewards $27,500; Chase Sapphire Preferred $33,700; Chase Marriott Rewards Premier $15,000; Chase Freedom $12,000; Citi Prestige $30,500; Virgin America Premium $25,000; The Home Depot Card $20,500; Capital One Platinum $15,000
Message 12 of 12
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