Score hasn't changed

[Anonymous]

I've been paying down bills in chunks. Over the last 4-5 months my TU score hasn't changed 1 point.

[Anonymous]

Not enough information to really comment. It all depends on your balances verses your limits, so if you list out each of your cards and it's balance/limit that would be helpful. It's all about the crossing of utilization thresholds. If you cross one you may and likely will see a score change. If not, you wont.

It's possible that Cornelius may pay down $300 on his CC bills and see a 50 point FICO score increase where Rupert pays down $5000 on his CC bills and sees no score improvement at all. The reason why here would be that Cornelius crossed a threshold or thresholds where Rupert did not.

[Anonymous]

Thanks for the response. I gone from 90% utilization down to 1%. But my TU score has been the same since 20% usage.

[Anonymous]

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@AnonymousI gone from 90% utilization down to 1%. But my TU score has been the same since 20% usage.

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If you were at 20% aggregate utilization and took it down below 8.9% aggregate utilization, you'd see a score increase.  If you haven't seen the score increase yet, it's because your new (lower) balances haven't yet reported. 

If you're saying that you've gone from 90% utilization down to 1% utilization and have not seen a single FICO point increase, again I'd say it's because your balances haven't yet updated... otherwise there's something else going on with your report.

[Anonymous]

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@Anonymous wrote:
I've been paying down bills in chunks. Over the last 4-5 months my TU score hasn't changed 1 point.

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Just curious how about your EXP and EQX? Any change there?

[Anonymous]

My EXP and EQX has steadily gone up

[Anonymous]

Are your 3 reports identical, or do you see (or not see) something on your TU report that you're seeing on your EX/EQ reports?