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Credit report barely changed with a drastic utl decrease.

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Gregory1776
Valued Contributor

Credit report barely changed with a drastic utl decrease.

I was hoping and waiting to see if my credit report updating with my new credit limit on my Citi card would increase my score to over 800. 
It didn't. 
score went up 3 points. 😑 Utilization changeUtilization change

that's the only balance on a credit card at the moment. 3,200 of a 8,000 personal loan I will be working on paying down next 4 months and leaving it below 8% by August.

ill see what changes that brings, paying loan down more. Seems that's the way to get more change.

 

 



Experian [790] TransUnion [812] Equifax [813]

Total Revolving Limits [$217,000]

PenFed Loan: $679/$8,000
1 REPLY 1
SouthJamaica
Mega Contributor

Re: Credit report barely changed with a drastic utl decrease.


@Gregory1776 wrote:

I was hoping and waiting to see if my credit report updating with my new credit limit on my Citi card would increase my score to over 800. 
It didn't. 
score went up 3 points. 😑 Utilization changeUtilization change

that's the only balance on a credit card at the moment. 3,200 of a 8,000 personal loan I will be working on paying down next 4 months and leaving it below 8% by August.

ill see what changes that brings, paying loan down more. Seems that's the way to get more change.

 

 


What score are you talking about, and where and how are you getting it?


Total revolving limits 569520 (505320 reporting) FICO 8: EQ 699 TU 696 EX 682




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