Score increase

[Anonymous]

I have just recently began monitoring my credit report, and trying to pay down some CC's. I just recently DV'd some CA's, but have not received any response yet. I just got an alert yesterday, and my score has increased by 21 points.None of the CA's have changed, but my Util went from 88% to 78%. I did not expect such a jump in score. Is this normal, or am i missing something?

[llecs]

There are probably more things happening to your CR besides the utilization. A 10 point increase would be expected, though. Maybe an account or even a CA changed. You won't know until you pull.

[Anonymous]

It's possible, darrello, but I suspect something else is going on there. 88% to 78% is nice, but it is still high. Usually, you can expect to see a nice bump when utility hits 50%, 30%, 20%, and 10%.

Are you sure one of your CA's didn't fall off?

Either way, congrats. That's a nice jump.

Is your score from Myfico? If not - then it really doesn't mean anything.

[Anonymous]

I pulled my report a second time, and nothing else has changed yet. Yes, it is from myfico. I know 78% is still high, but hopefully it will be at least 50% in a week or two. Thanks.