6% overall utilization --> 7 point bump

NRB525 · ‎12-12-2018

@Anonymous wrote:
I was just throwing a number out there for the sake of discussion and you're getting hung up on 30% for no reason, completely missing my point. Whether I said 30% or 9% or 89% (or any other believed threshold point) is irrelevant. The point is that what he's done with the one card he's already done with other cards and hasn't seen a score change related to the individual card. That being said, again I ask, why would the card itself matter?

You missed the point of this entire thread.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

Anonymous · ‎12-12-2018

@NRB525 wrote:
You missed the point of this entire thread.

Funny you say that, as that's my exact feeling regarding you... and I imagine SJ's feeling as well. All I've seen from you in this thread is asking questions that have already been answered, or not answering questions that have been asked. You're very consistent on both of those fronts, I'll give you that. And, this is SJ's thread, so whatever he feels is the point of it holds the most water, not whatever your perception is of the "point" of the thread.

Re: 6% overall utilization.

Re: 6% overall utilization.