I don't understand..only 5 pt increase

[Anonymous]

I paid off over 2300 in revolving cc debt and ALL my balances are reporting 0 now except one cc that I left 84 dollars on just to report some utilization. My utilization has gone from 50% to 1% and my score only increased 5 pts....Why? I expected such a better increase! It says my payment history is good, debt load excellent, length of credit poor (which I don't udnersand I have stuff reporting back from 1997 and 2000 such as cc's, auto loan, and student loans. uggggg

[llecs]

Are all of those cards you paid off still listed as "open"?

How many CCs do you have?

Are you basing this on a FAKO score? FICO doesn't use "excellent" or "poor", but TC does. Had to be asked...

Did you app for any new credit or have any new credit to give a bad mark on history?

[Anonymous]

yes they are all still open...............such a disappointment.....I didn't even get an alert I had to check on my own...

[Anonymous]

Let me try to answer all those questions I didn't apply for ANY new credit in the last year. I have 4 credit cards. A orchard bank Master card I opened up 3 years ago with a limit of 720, 0 balance and still open. I have the home depot and Best buy cards, both with credit limit of 2500 both have zero balances and paid to 0. Then I have a citi master card, credit limit 2000 and an 85 dollar balance. NO late payments on ANY of these cards.

I checked my EX and TU credit scores here. It just has a section for explanation of credit report/score and I checked my EXP report from another site.

[llecs]

Was it EQ that increased only 5 points or TU? And is based on your 7/2 report? Are all of the balances updated on the new report?

[Anonymous]

No it was my 7/27 report (i check a lot because we are getting ready to apply for a mortgage and I am/was waiting for the scores to rebound. I did find out some collections were added and now I am checking to make sure they are removed as I sent proof to the bureaus that they were paid to the original creditor and that it was a mistake!