@Anonymous If that is the only difference that you think is the raise in UTL (which very well could be) Correct it and hopefully when it reports this month Updated with a LOWER balance if possible than your last statement BEFORE it went up, then you should see your points jump back. If it is other underlying things too that could be a difference.
Have you tried to see if you can get that Collection OFF your reports?! If so then don't sweat on it this second, but if you haven't that may help in a boost too but that can take some time to update to your CB's.....so if that was there before (which it sounds like it was) it really may just be the UTL issue
@Anonymous Depending on what is on your other cards then you don't want them all to report 0 that will penalize you. If you can report all but one with a small amount on a Bank issued card and the rest 0 that would be ideal. But you don't want it to be such a small amount it rounds it down to 0 either. So for example if you have a 1k CL and you don't want to put 1 dollar on it it may report as 0% being used. Maybe have 25 or 35 on it (something 8% or lower but above 1%) 
@Anonymous wrote:
@Girlzilla88 wrote:@Anonymous If that is the only difference that you think is the raise in UTL (which very well could be) Correct it and hopefully when it reports this month Updated with a LOWER balance if possible than your last statement BEFORE it went up, then you should see your points jump back. If it is other underlying things too that could be a difference.
Nothing else has changed on my credit report and I have not missed a payment so I am almost positive it is the balances. Should I pay them all down to $0 balances?
If it is just the balances and you want to get those points back, please use the AZEO method (all zero except one) pay all your balances off and leave 1-2% left on one card before the statement cut. GL!!
ok. Thanks I will do that then. Hopefully this will help. 🙏🤞🏼
@Girlzilla88 wrote:@Anonymous Depending on what is on your other cards then you don't want them all to report 0 that will penalize you. If you can report all but one with a small amount on a Bank issued card and the rest 0 that would be ideal. But you don't want it to be such a small amount it rounds it down to 0 either. So for example if you have a 1k CL and you don't want to put 1 dollar on it it may report as 0% being used. Maybe have 25 or 35 on it (something 8% or lower but above 1%)
@Anonymous Keep us Posted and GL to you!!