94% Utilization to 29%. Guess the increase

[FICOdawg]

I'm interested to see as well.    Be nice to see all three scores as to which one is more sensitive to aggregate and/or individual utilization.  

Personally I'm a big fan of debt snowball as it's nice to see balances at zero and less cards to maintain a payment. 

[Varsity_Lu]

I'm going to go with +100 points. What's the prize for the person that is the closest?

[FicoMike0]

@Varsity_Lu 

Like a lot of things, there's no prize, you just win.

[ScottL]

I don't think they've all updated yet. But my best increase so far has been Trams Union and it's at 660

[Vinjints]

Progress! Now I guess the next step is to get under 50% reporting?

[Thomas_Thumb]

Let's get a final score for stage 1 utilization reduction, after completion of updates, first.

Hopefully the OP can reach his 680 goal. If not, reducing AG UT to under 9% with 50% or less cards reporting balances should be more than sufficient. 

Reminder note: Scoring algorithms associated with dirty scorecards have a somewhat muted response to changes in utilization relative to clean scorecards.

[FICOdawg]

That's what I would do with everything 29% or under is just start paying them off one by one.

[masscredit]

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@Thomas_Thumb wrote:

Reminder note: Scoring algorithms associated with dirty scorecards have a somewhat muted response to changes in utilization relative to clean scorecards.

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I've noticed that with mine. There have been times when I've make a lot of purchases and let the balance report. Sometimes on at least half of my cards at a time. My scores moved but not as much as I thought they would.