Pretty big utilization drop.

tcbofade · ‎08-28-2013

Time to update my weekly excel sheet.

With all of my bigger payments having posted and a bunch of cards paid off, my util drops from 51.65% to 43.64%

DW's will drop from 45.42% to 26.61% with a balance transfer outstanding that will take her to 22.9%

Score estimators give me 16-20 point increase, DW a 51 point increase... it'll be about three weeks before all of those report to the CRA's, and I just can't wait to see the difference!

Fico 8 7/01/25: EX 800, EQ 805, TU 792.
Fico 9: EX 812 04/15/25, EQ 804 04/08/25, TU 792 02/15/25.

Zero percent financing is where the devil lives...

09Lexie · ‎08-28-2013

Good to see its going in the right direction. You are doing great!

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SunriseEarth · ‎08-28-2013

Great progress! I've pushed my UTIL from 43% to 36% reported and that made the FAKO score at CK go up 8 points.

myjourney · ‎08-28-2013

Looking good keep paying it down and before you know it BAM high scores

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

tcbofade · ‎08-28-2013

@myjourney wrote:
Looking good keep paying it down and before you know it BAM high scores

I crossed the 700 line this morning for the first time....ever.... FCR says 711.

Woooooooooooot!

Fico 8 7/01/25: EX 800, EQ 805, TU 792.
Fico 9: EX 812 04/15/25, EQ 804 04/08/25, TU 792 02/15/25.

Zero percent financing is where the devil lives...

SunriseEarth · ‎08-28-2013

@tcbofade wrote:

I crossed the 700 line this morning for the first time....ever.... FCR says 711.

Woooooooooooot!

Congrats!!