@amckee wrote:Current is
634 eq
644 tu
601 exp
cards
disco 145/2000
cap 1 0/400
cap 1 platinum 200/400. (( now zero yet to report )
finger hut. 645/1000. Got a increase to. 1650 not yet reported
Merrick. 1402/1400. { paid to zero not reported yet }
credit one 64/600. (. Paid to zero not yet reported
so all in all. I paid a good chunk off exspexting my uti to go to 8%. Of a rough estimate. How much can i exspexto to see. On fico 8. But mainly wanting my 609 fico 5 to jump up over 620. Will paying it down ge time over the hump ?
Your mixing up 2 different scoring models.
When focusing on mortgage scores, you would get more bang for your buck by focusing your efforts on (1) increasing the number of accounts with zero balances and (2) decreasing individual accounts reporting 50% or more. Optimally you would have only one card reporting a balance and that balance being 28% or less.
The Merrick and Fingerhut accounts are killing your scores.
