Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days... May 2020: EX8: 850; EQ8: 850; TU8: 850 -- Middle Mortgage Score: 824 In My Wallet: Discover $73.7K; Cap1 Venture $42.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $19.5K; Cap1 Plat $8.4K; Barclay $7K; BoA Plat $21.6K; Citi TY Pref $19K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $277K My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .
I had no balances reporting at all. I've always paid everything off in full, usually within days of using cc. Sometimes I'd pay on the same day, if allowed. Not all cards let me do this. I started AZEO recently.