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Hi
My wife's revolving credit utilization is currently at 119% (!). This is mostly due to closed credit card accounts with balances.
If we pay off all of the closed accounts, her utilization would drop to 63%. She's currently at about a 660 score at the 3 CRAs.
What kind of score increase would you expect?
Thank you in advance
You need to provide a lot more details to get anything remotely resembling an answer to that including all card before/after balances and limits, AAoA, baddies (if any) etc.
BTW I am very surprised her score is 660 with 119% util. What scoring system you using and did the score show the 119 util?
Sorry - my bad
AAoA - 9-10 years
No lates, no collections, no judgements
Before: 62k in balances, 52k in available credit
After: 32k in balances, 52k in available credit
Score was pulled by mortgage lender - trimerge report
EQ Beacon 5
TU Classic 4
EX FICO 2
could be as much 50 points or more a lot of factors apply
