Until I found this forum I couldn't for the life of me figure out why the hell my score was so low! I had awesome credit, and plenty of it, but I could never seem to crack 700. Then I started reading here and found out about utilization. I started looking really hard at what was going on with my reports. I had two Amex cards, and a Neiman Marcus card all reporting with big balances and 0 as the limit. I had one other card with a small limit, but pretty much everything else had no limit, so my utilization was several hundred percent! I was maxed out by cards that I PIF monthly! So I got a few other cards with real limits, started paying my cards before the statement closed and my score has gone up by over 100 points in the last two months! The best part is that I'm showing 754 today, and I'm still at 64% util! When Amex finally reports this month with no balance I'm hoping to be close to the 800 mark! I can't believe the difference it has made, and I never would have known if I hadn't come here! Thanks, Myfico!
