I use credit karma too, and credit sesame but not for my scores. I only use them to monitor for new accounts and such. If you want your FICO pull from here, but only when you need to.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
I was just approved for capitol one card 2 months ago 500cl and charged $6.00 waited for the statement to cut and payed it the next day. As of right now I have no revolving credit showing so I have N/A for utilization but when it does show up IM hopeing for a big jump b/c the util. Will be like 1-2% fako are in signature when the cap one shows up I will post on the jump any guesses on how big that might be?
Starting Score: TU 583, EX 683, EQ 653
Going from 41% to 7% gives me 3 points.
I think the more credit lines/accounts, higher total credit, and balances owed, play a factor in how much of a score swing one can expect by changing utilization percentages.
I myself only have 4 accounts, a total credit line of $1800.00, and one auto loan.