@madmann26 wrote:It's bonus time of the year for me. I had accumulated some debt over the last year and this morning I paid it all off, except one just because it's auto-paid every month and I didn't want my total utilization to drop to 0%.
I was at 54% total utilization and my scores were holding steady at 675-680 (actual FICOs).
Time to kick back and relax.
Congratulations on wiping out that utilization.
I made the cutoff for one of my cards - 73% down to 1% because of interest I think -
No score update(s) yet.
@Porsche_Enthusiast_911 wrote:its a great feeling getting that yoke off of your neck when you pay off your cards. It will feel like you got a raise each check not having to pay them anymore. Congrats
Wow, I identify myself with this post, very true.
OP, congrats on your achievement.
Congratulations! May you manage to maintain this sweet feeling...and low utilization indefinitely.😀
(+102) | 
(+106) | 
(+151)
A couple of more cards are reporting as $0 balance but no score movement yet.......... /tapsfoot
I'm still reporting 37-41% util depending on which report you look at.
Still waiting on updates.....I think I'd rather watch paint dry.
Still waiting on updates.....I think I'd rather watch paint dry.