Well, your AAoA moved from 2y 11m to to 3y, so you might have moved up into a new score bucket (groups of consumers with similar credit histories. Notice that your new negatives are both about age.
Are your scores already in the low-to-mid 700's? I ask because you only have two negative comments. Once you hit around 760, the reports only give you one negative, and after 800, you don't get any. It's not that there aren't any potential negatives, they're just cushioning our egos, I think.
Anyway, I asked about the balances on the closed cards, because I was wondering if maybe all the balances were being applied only to the CL on the open card, giving you high util. Probably not, because high util isn't listed in your negatives, but on the other hand, low util vanished from your positives.
*** need help from those familiar with how balances on closed cards are figured into util, please!! ***
If you have the extra funds to pay off that last $400, I would do so. I still think that's affecting you somehow, due to the vanishing of that positive comment, but of course, I'm always ready to be shouted down.
Are your scores already in the low-to-mid 700's? I ask because you only have two negative comments. Once you hit around 760, the reports only give you one negative, and after 800, you don't get any. It's not that there aren't any potential negatives, they're just cushioning our egos, I think.
Anyway, I asked about the balances on the closed cards, because I was wondering if maybe all the balances were being applied only to the CL on the open card, giving you high util. Probably not, because high util isn't listed in your negatives, but on the other hand, low util vanished from your positives.
*** need help from those familiar with how balances on closed cards are figured into util, please!! ***
If you have the extra funds to pay off that last $400, I would do so. I still think that's affecting you somehow, due to the vanishing of that positive comment, but of course, I'm always ready to be shouted down.