My FICO 8 Experian jumped 25 points !!!

[Anonymous]

My CC utilization was 30%. It's currently 1%. I paid off my maxed out CC and my Experian jumped 25 points this morning. I'm awaiting on the other 2 bureaus to update any day now.

My mortgage scores were
610-Ex
620-TU
590-EQ
this should give me the 10 points I need for Experian correct ? I am going to pull my scores on Friday.

I am so happy! A big thanks to everyone on this board

[Anonymous]

Hold off on pulling your mortgage 3B until you can confirm TU/EQ updated as well -- check CreditKarma maybe Wednesday to see if they show updated reports!

Bet your mortgage scores see a nice bump, mortgage FICO seems to hate utilization.

Congrats on the score bump!  Also if you're carrying balances on 1/3rd of your cards or more, get that down so you see another bump on EQ (I believe).

[Anonymous]

Aww thank you so much my other CC have a 0 balance. I'm so excited lol ..I caught up my student loan too . That should update around the end of the month..

[Thomas_Thumb]

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@Anonymous wrote:

Hold off on pulling your mortgage 3B until you can confirm TU/EQ updated as well -- check CreditKarma maybe Wednesday to see if they show updated reports!

Bet your mortgage scores see a nice bump, mortgage FICO seems to hate utilization.

Congrats on the score bump!  Also if you're carrying balances on 1/3rd of your cards or more, get that down so you see another bump on EQ (I believe).

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Point of clarification: If you only have one or two cards, you need to report a balance on one card (as opposed to zero) for best score. The card reporting should be a revolving credit card (not a charge card).

Note: I have found EQ score 5 (Fico 04) to be quite sensitive to # cards reporting, so as ABCD mentioned, limit # reporting a balance - preferrably one only.