I've already pulled my own CRs. All balances and CLs are correct in the trimerge.
The FAKO scores are much, much higher on my CRs but I guess that's not uncommon.
yes, but did FICO use the credit limits of the closed revolving accounts with outstanding balances in its calculation of my util?
So then theoretically, when thes balances of these closed accounts update on my CRs as 0, the credit limits will no longer be used in the utilization calculation and my utilization won't change at all, hence, no score change.
This is my fear.
I understand that.
So from what you're telling me it was pointless to pay off these 3 accounts as it will have no effect on my credit score.
From my calculations, even though I paid off $25k worth of debt my utilization will not change and therefore the scoring (most important to me right now) will not change. This is what I am taking away from this thread. Is that safe to assume?