@lg8302ch wrote:
For me Fico score changes ONLY with the number of accounts reporting a balance. Overall util 1-9% does NOT trigger a score change but an account with a 1$ balance will 
...this is such a nonsense but nice to know before an app spree to really make sure to pay all but 1 account to 0 and let it report that way. It makes a difference of 40 points for me 
...easy way for me to jump the 800 mark with a small manipulation like this.
I have seen the same thing bro. Of course, February is the month of reckoning for me because I just opened those four accounts, and I am spending, PIF, spending, PIF, but it seems that on the day of the statement closing, I have a small balance on each new card. However, next month it will be 1-2% util all on one card...My scores have actually improved as the new accounts are reporting (except EQ, of course).
My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie
