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Current Scores - 8/26/2025
FICO 9
EQ - 769
TU - 778
EXP - 762
Do you have any baddies or recently had any baddies removed? opened any new credit?
has everything reported ? Thats been my hold up.
It could be a few things but I don't think paying down your utilization would do it.
I agree with the above. The util dropping wouldn't be the cause here. Something else changed. Ive been in the same boat a few times where something good I was waiting on hit and my score either didnt change or dropped a bit. I was angry.
But after digging deeper I found other reasons.
How much time elapsed betwwen paying down your balances and you checking your scores? Are your scores being checked from the same sources?