Charge off/ utilization ? advice

[Anonymous]

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@Mdg1307 wrote:

Ok so all of my payments to zero out the charge offs have now reported. Although all my reports are the same, the scores vary quit a bit w/ TransUnion being much lower than EQ and EXP.
old scores prior to payoffs:

EQ-581

TU-545

EXP-549

new scores after payoffs:

EQ-637

TU-613

EXP-645

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That is great!  I'm in the same boat right now as you were. I have 4 open chargeoffs still reporting monthly and with the original creditor. I'll be paying/settling all of them tomorrow to show as $0. I currently have 2 open CC's right now $500 and $300. Never late and low utilization. My exp fico 8 is currently 530. Hoping to see that nice 100 point bump you got as well. Wish me luck!  

[sjt]

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@Mdg1307 wrote:

Ok so all of my payments to zero out the charge offs have now reported. Although all my reports are the same, the scores vary quit a bit w/ TransUnion being much lower than EQ and EXP.

old scores prior to payoffs:

EQ-581

TU-545

EXP-549

new scores after payoffs:

EQ-637

TU-613

EXP-645

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Congrats! That is a big score bump!

You should have no problem getting an Amex charge.