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My EQ is 647 and I only have three open cards:
Express: $140 - 0%
Home Depot - $500 - $425 balance
1fbusa MC - $1800 - $1750 balance
Obviously my uitilzation is VERY high (95%+) and I am paying both cards in full (maybe leave $15 balance on my MC) on Jan 31st. I've called and they told me they report by the 8th of the month. Does anyone have any idea of how much my EQ score will increase by just paying down these balances?
My husband's EQ is 575 and has
Dell: $3500 - 0 balance
Macy's: $100 - $95 balance
HD (as AU): $500 - $425 balance
So his uti on two cards is high also - wondering how much his score will increase as well. We are going to be applying for NFCU as soon as our CR update!
I estimate 5 - 10 points for every 10% paid down. YMMV.
Since 2 of your cards are maxed out you are getting additional dings for that too.
Thanks for the input. I am hoping to get us to at least 660 and 600. Crossing my fingers!
Good luck
I am currently at 60% utilization but just paid off everything down to 1%
TU-08 end of december was 707
so I am anxious to see an increase too
BK7 Discharge: October 2004 Starting Score: 590 March 2018 EQ & EX & TU FICO Score: 846 & 847 & 850
Goal Score: 800+ across the board | Goals Hit: 3 Active Cards: 2
Gardening Since: October 2015 Garden Goal: Oct 2018
Wish List: | None