I am hoping someone can provide some insight. I have never missed a payment in my entire life and always had pretty good credit. Around 740-760 for the past 5-10 years (29 years old). I let some medical debt slide last year which were turned over to Collection Account and of course impacted my score. In February this year, I joined myFico and started tracking data points and trying to determine what score I can achieve. I am wanting to get a new car at the end of the summer and try to get approved and decent interest rates. I started at 2/27/17 with the 3B report and FICO 08 have been working on getting each card down to get total Util down. I froze my discover card as it was originally my oldest with the highest balance so that one is easiest to get down. My questions is once I get Discover to under 30% by itself would it make since to start putting higher amounts of payments to my other cards? I know my total Util will be the same either way but my individual cards would be lower. Also, i have been looking for any forums with information as I have outline below based on factors and scores to help me get an understanding of what I can reasonably expect to get my score to based on my credit profile (recent collections, AAoA, etc since I cannot change those things until they fall off). The only thing I can be proactive about is keeping my util % down! I know the score change isn't necessarily direcly related to the "alert" that the system triggered but since I am tracking all changes (by card) I can kind of get an idea of when my score changes based on UTIL.
