LOST 4 PTS

[Anonymous]

on EX for going from 2% to 9% util.  TU stayed the same.  Last day for discount.

[Miner]

What scoring bracket were you in as I suspect that makes a difference in how hard you were hit.

I also lost 4pts today (as compared to 2 weeks ago) on EX (haven't checked the other 2 yet).  But I had a complex situation going on.  Inquiries went from 1 to 3 (bad).  My Util went from 10.0% to 10.8% (bad).  I added a 2nd CC in Sept that just reported for the 1st time (bad and good).  I had a store card that has been inactive for years wake up when I used it (good), but its maxed out at $191/200 (bad).  The good news is I went from 1 active CC to 2 CC+1store card.  The bad is new account, inquries, and slight Util increase.

[marty56]

Strange.  Did the util occur on a dormant CC or did the # of cards reporting stay the same.  Also even though you are at 9% total util, did util % change above 9% on a single card.

[Anonymous]

yes one card went to 22%.  Also 4 cards w/balances instead of 1 or 2.  I have one card that didn't report 0 bal until today.

[marty56]

I suspected that.  IMHO I think you would get the points back by going to 9% util on the 22% card and only having 1 or 2 cards report.  TU seems more interested in # cards and EX seems more interested in any util.

Its been awhile since I should any util above 1% so I am not 100% on this.  To save money, I would try to get the 22% down to 9% first.  if not then go for 1 card reporting.

[Anonymous]

i usually run about 2%.  I thought this was interesting.  Two of my balances were 2.00 and 4.00.