this was when i had my credit cards generally maxed because of interest rates on them of 0% to 5%, and i have several new mortgages.
in May 07, I paid down 110k of debt due to the sale of a house, but didn't know i needed to pay down my credit cards, and my scores became: Trans=685, Equifax=664, Exper=651....and stayed to Aug 1, 07....then....
on Aug 2, 07, i paid down 245k worth of debt due to the sale of another house, but still not my credit cards, except these cc reported that:
Aug 9, 07, Cap1 statement closing date (= date reported?) that i paid it down from 56% utilization to 29%
Aug 12, 07, Amex closing date (= date reported?) that i paid it down from 91% to 29%
Aug 12, 07, Discover closing date (= date reported?) that i paid it down from 93% to 29%
and my Equifax alert said my scores....
August 13, 07 were: Trans=783, Equifax=668, Exper=654......notice the last 2 mainly care about credit cards since these credit card reports were brand new and maybe didn't count yet.
then Equifax alert said:
August 17, 07 my scores were: Trans=783, Equifax=687, Exper=665
Aug 18, 07, Chase closing date that i paid it down from 60% to 29%
Aug 28, 07, Bank One closing date that i paid it down from 80% to 29%
Sept 2, 07, Wachovia closing date that i paid it down from 97% to 49%.....only on I didn't pay down to under 30% because the debt was 50k
Sept 7, 07 my scores were: Trans=764, Equifax=718, Exper=703
*****Equifax jumped the days listed above, since i have an alert e-mail w/ them only.....the Trans and experian scores are from my checking them on the day equifax jumped.
