I normally use the AZEO method of managing my cc payments each month keeping a total and individual util both under 9.9%.
On the card I usually keep the small balance on, the statement cut date is the 25th. I had already paid enough throughout the month to not have to worry about interest. When I planned to make my final payment of the month and only leave about $9 on the account, I stubbed it in my check book but didn't sent the payment from my bank. oops. I realized this on the 24th. too late to get it in before statement cut.
So I ended up with a total util still where I wanted it, but the individual util on that card was 42%.
EX Fico as of 12/20 was 698.
EX Fico as of 1/1 is 690.
Nothing else changed, except all other info ageing for 1 month, so the change is due to my individual util. It's a good thing I know it will come back next month.
I had a brain fart when I typed 9.9. I meant 8.9.
wrote:I normally use the AZEO method of managing my cc payments each month keeping a total and individual util both under 9.9%.
On the card I usually keep the small balance on, the statement cut date is the 25th. I had already paid enough throughout the month to not have to worry about interest. When I planned to make my final payment of the month and only leave about $9 on the account, I stubbed it in my check book but didn't sent the payment from my bank. oops. I realized this on the 24th. too late to get it in before statement cut.
So I ended up with a total util still where I wanted it, but the individual util on that card was 42%.
EX Fico as of 12/20 was 698.
EX Fico as of 1/1 is 690.
Nothing else changed, except all other info ageing for 1 month, so the change is due to my individual util. It's a good thing I know it will come back next month.
UPDATE
With everything back where it should be my EX FICO is 699. Really EX you couldn't give me one more measly point.
There was one additional change to my report. Cap One gave me a CLI from of 3K. This month.