Re: FICO Score dropped 4 points after CO was EE

2018VolvoS90 · ‎01-21-2023

@FireMedic1 wrote:
Having 1 or 2 report is fine as long as its under 8.99%. Combined or your aggregate util should stay under the same %. Best for me is under 6%.

Ah okay yes. That's not all of my cards. My overall aggregate util is 2% currently have about $487 in credit card debt out of $24,850 available credit.

IcyCool7227 · ‎01-22-2023

You should always try to pay ALL your credit cards in full unless you have special no interest financing.

As of: 8/15/25:
EQ: 783 (prev. 798 on 1/10/25; 794 on 12/19/24; 781 on 9/20/24; 747 on 8/7/24; 781 on 7/1/24; 785 on 3/28/24. 778 on 2/6/24; 773 on 1/26/24; 750 on 1/7/24; 626 on 6/7/23 & 652 in April 2023) - FICO 8
EX: 766 (prev. 769 on 1/10/25; 767 on 10/26/24; 751 on 9/20/24; 729 on 8/7/24; 752 on 7/1/24; 761 on 755 on 2/6/24; 753 on 1/26/24; 732 on 1/7/24; 643 on 6/7/24; 619 in April 2023) - FICO 8
TU: 773 (prev. 768 on 1/10/25; 771 on 12/3/24; 756 on 9/6/24). - FICO 8.

Have:
- Amazon Prime Store Card: $10,000
- Amex Blue Cash Everyday (AU): $10,000
- Capital One Savor Cash Rewards: $3,600
- Chase Freedom Flex: $1,000
- Citi Custom Cash: $9,200
- Citi Double Cash: $8,000
- Citi Rewards +: $5,800
- Discover it Cashback: $2,500
- Kohl’s Charge: $3,000
- Mercury Rewards Visa: $4,390
- PayPal World Cashback MasterCard: $5,500

- Super Cash: Limit varies based on debit balance - doesn't show up in accounts anymore though on CRs.

FireMedic1 · ‎01-22-2023

@IcyCool7227 wrote:
You should always try to pay ALL your credit cards in full unless you have special no interest financing.

@IcyCool7227 Yes after the statement cuts. Never pay all accounts to zero before the statement cuts or you get the all zero penalty and lose 15-20pts on avg. One account has to report a balance of <8.99% or AZEO as we say to avoid it.

BK Free Aug25

2018VolvoS90 · ‎01-22-2023

@FireMedic1 wrote:
@IcyCool7227 wrote:
You should always try to pay ALL your credit cards in full unless you have special no interest financing.
@IcyCool7227 Yes after the statement cuts. Never pay all accounts to zero before the statement cuts or you get the all zero penalty and lose 15-20pts on avg. One account has to report a balance of <8.99% or AZEO as we say to avoid it.

Yes that's exactly what I do. I let them report a small balance and then pay it off as soon as the statement is generated. I know in the long run this coming off will help me just was hoping it would be sooner than later. I did open a dispute to request the late payment ONLY be removed on the one that was during Covid. I don't want the entire account removed because then that will drop my score even more I'm assuming after what happened with this account.

FICO Score dropped 4 points after CO was EE

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