I wasn't real sure about where to post this but this seemed as good a place as any.
My first credit card was a secured Cap1 2/2017. I applied and was approved for $200 CL with a $50 deposit.
I gave another $50 and got a line of $250. Five or six months later i got an auto CLI to $550. Yesterday, right
after i made a $260 payment($0 bal); I got an email that I had been upgraded and my deposit would be given
back as a statement credit. My bal is now -$99, 
!!
I think they pulled all 3 but for sure 2. TU was up to 740
but I used my credit during the holidays and its dropped.
I started with no credit (n/a score).
I've got questions but I'll post another thread later
@Anonymous wrote:I wasn't real sure about where to post this but this seemed as good a place as any.
My first credit card was a secured Cap1 2/2017. I applied and was approved for $200 CL with a $50 deposit.
I gave another $50 and got a line of $250. Five or six months later i got an auto CLI to $550. Yesterday, right
after i made a $260 payment($0 bal); I got an email that I had been upgraded and my deposit would be given
back as a statement credit. My bal is now -$99,
I think they pulled all 3 but for sure 2. TU was up to 740
but I used my credit during the holidays and its dropped.I started with no credit (n/a score).
I've got questions but I'll post another thread later
Congratulations! Capital One is what I started with!
@Anonymous wrote:Congrats!!!
That's one heck of a score drop through... did anything else happen than an HP?
50 points for high utilization isn't that unheard of. Happened to me during Irma when I couldn't get to the internet to PIF before statement cut...
Basically 2 or 3 cards reporting > 88% utilization in September causing my score to drop 45-50 points overall. Aggregate utilization was probably only 40-50% at that time so it could have been far worse if my aggregate was over 70%.
I never heard of Capital One doing HP for graduation. Not one other data point. OP please clarify when they did the HP.
@Anonymous wrote:
@Anonymous wrote:Congrats!!!
That's one heck of a score drop through... did anything else happen than an HP?
50 points for high utilization isn't that unheard of. Happened to me during Irma when I couldn't get to the internet to PIF before statement cut...
Basically 2 or 3 cards reporting > 88% utilization in September causing my score to drop 45-50 points overall. Aggregate utilization was probably only 40-50% at that time so it could have been far worse if my aggregate was over 70%.
I never heard of Capital One doing HP for graduation. Not one other data point. OP please clarify when they did the HP.
You are correct UTI can drop your score like CRAZY. I LOVEEEEEEEEEE all of your charts. You have awesome charts buddy
@JoeLuvsHisCredit wrote:You are correct UTI can drop your score like CRAZY. I LOVEEEEEEEEEE all of your charts. You have awesome charts buddy
In 6-8 weeks I should have my web app working enough that anyone can have my charts for themselves! Plus it helps people see how patience during rebuilding has lasting effects!
I firmly believe that most people who are in the 660-690 range are probably stuck there because of utilization problems. It's almost like it's easier to jump from 620 to 720 than jump from 670 to 690.
@Anonymous wrote:
@JoeLuvsHisCredit wrote:You are correct UTI can drop your score like CRAZY. I LOVEEEEEEEEEE all of your charts. You have awesome charts buddyIn 6-8 weeks I should have my web app working enough that anyone can have my charts for themselves! Plus it helps people see how patience during rebuilding has lasting effects!
I firmly believe that most people who are in the 660-690 range are probably stuck there because of utilization problems. It's almost like it's easier to jump from 620 to 720 than jump from 670 to 690.
I save all your charts as images. You do all the hard work. I get nice charts without any work :-)