Made it triple digit 8’s

[Gregory1776]

I've been here before. This "feels" different because it is my goal to now get to AZE1, and I now have 2 cards reporting a balance, Disco (15%) and Citi (reporting 57% or so).

updates by one week or so will be Citi being reported below the threshold 48% or so and Discover reporting at 15%. $6,650 & $4,350;  11,000 revolving debt.  8.5% loan

For the rest of the month I just want to maintain my spending and stack

[FicoMike0]

Congratulations!

[Copenix]

Awesome - well done!

[SouthJamaica]

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@Gregory1776 wrote:

I've been here before. This "feels" different because it is my goal to now get to AZE1, and I now have 2 cards reporting a balance, Disco (15%) and Citi (reporting 57% or so).

updates by one week or so will be Citi being reported below the threshold 48% or so and Discover reporting at 15%. $6,650 & $4,350;  11,000 revolving debt.  8.5% loan

For the rest of the month I just want to maintain my spending and stack

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Congratulations. Will be even sweeter when your Citi card gets down to 28% or less.

[Gregory1776]

@SouthJamaica 

thanks! It will be awesome to see where it goes then. I'm pretty surprised it's so high - I opened 3 accounts this year (Smartly, BILT, Sapphire Preferred).

It will be interesting watching them age.

Equifax updated my BILT account 2,001 -> $0 and I went up ten points. 
kinda wish I waited until I paid off the few accounts I had reporting 1 month ago and applied for am the sapphire now. Probably would've gotten a better limit, they denied because of DTI (Citi) I guess.

[Gregory1776]

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@Gregory1776 wrote:

I've been here before. This "feels" different because it is my goal to now get to AZE1, and I now have 2 cards reporting a balance, Disco (15%) and Citi (reporting 57% or so).

updates by one week or so will be Citi being reported below the threshold 48% or so and Discover reporting at 15%. $6,650 & $4,350;  11,000 revolving debt.  8.5% loan

For the rest of the month I just want to maintain my spending and stack

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The update with the results of those updating balances for those bored enough to follow along. TU is reporting $219 more on Disco, but I am not expecting that to change the score. 16% or 15%. slow updating. Scores are higher than I expected with new accounts..

[Thomas_Thumb]

Thanks for the data.

Given the new accounts, I guestimate your scores may top out sub 830. Could be sub 835 since new accounts penalty is trpically 15-20 points.

[Gregory1776]

@Thomas_Thumb 

Making the balances (48%) keeping me how far suppressed? What's the penalty (roughly)?

second account 15%

[Thomas_Thumb]

Penalty for # of cards reporting and highest card utilization vary a bit depending on the CRA. For example, EX does not penalize much, if any, for too many cards with balances. EQ and TU do penalize.

My guess: Taking your highest card from 48% to under 29% may gain you 0-3 points on EQ, 0-5 on TU and 3-7 points on EX. Taking the card to $0 vs reporting a balance under 29% likely won't make a difference as long as AG UT is already under 5%.

[Gregory1776]

@Thomas_Thumb 

ill try and keep things as is reported now, and see what kind of change there is when i get it below 29%. Not sure if I'll keep the subscription for MyFICO between then, but when and if I get it below 29% I'll check. And update. I'm thinking 29% first and then 0 balance on the Disco,  ($0.50cents every statement apparently, another post.) 0% APR on the Disco until February, so we'll see how much I get to make this summer.