That is awesome!! Congrats! This gives me hope for something I need to send out. I got a verbal no but I'll send a GW til I hit the right person who's in a good mood and has had their lunch already. 
Hey man, that's right. Keep thinking positive, haven't you heard about the Secret? 
Starting Score: 584 on 02/28/13
Aquinbean, what % of your overall CL did those cards you just paid off represent?
I've found that the rule of thumb tends to be for each 10% of utilization you pay down, you get about 10 points on your FICOs.
SW will alert you to score changes ONLY if you remember to re-set the target score to the current one OR you cross the target score with the change.
SW will not tell you about a deletion at all, but you may see a score bump with a list of theoretical reasons, none of which will be a deletion.
I paid off 30% of my CC Debt with the cards I just paid off. Every card was near 98% utilization. I'm not sure that all of the cards have reported since I paid them off, since my statement dates differ between some of them. I have my target score set at 1 point higher than the last updated score - I can't imagine that it would be going down. Are you sure that the SW will not tell me about a deletion? What if it is a collection deletion?
@mauve wrote:Aquinbean, what % of your overall CL did those cards you just paid off represent?
I've found that the rule of thumb tends to be for each 10% of utilization you pay down, you get about 10 points on your FICOs.
SW will alert you to score changes ONLY if you remember to re-set the target score to the current one OR you cross the target score with the change.
SW will not tell you about a deletion at all, but you may see a score bump with a list of theoretical reasons, none of which will be a deletion.
Good Luck!
How are goodwill letters supose to mailed? Via reg. snail mail or do they need to be cert.?
I love the Secret!
okay ill bite whats The Secret
