I have membership with credit bureau Experian. I don't have a paid meembership just a free regualer version. Over the last 3 months I find it very interesting that when my overall utilization was at 42% Experian had my score at 679. During month 2 my overall utilization dropped to 40% Experian dropped my score to 673. Now we are in month 3 and my overall utilization dropped to 38% and Experian drops my score to 670.
While Transunion raised my score to 695 and Equifax stays steady at 692.
I just wonder if I continue to payoff my cc debt will the scores drop vs increase.
Have you guys experienced this? If so how long did it take for your scores to increase?
