@Anonymous wrote:
So basically my overall credit utilization I was to say it went from like 55 percent to 29 percent with that increase and my payments which are due at the beginning of the month. I have 4 total cards. My total credit limitis 7500 it's no down to like 2300 with that random CLI. So yeah I I even did the experian thing and pulled all 2 reports no change except the CLI and my utilization dropping due to it.
Ok, please answer this question on a real computer rather than a mobile phone. The text strings off your mobile phone are frankly confusing 
Using a grid format, can you list out your four credit cards, which bank, the credit limit and your current balance on that card. That will help to get understanding of the correct utilization calculations, and there are two levels of utilization.
You seem to have a fairly low limit of overall credit. With the baddies, that is likely putting you in a bucket where score movement is not predictable. (after all the baddies drop off, your score moves in FICO will be more predictable). If the credit limits crossed some threshhold, that may have an influence on the VS3 bucket. Purely speculative.
While CK scores as Vantage 3.0 are "A Credit Score", they are not commonly used, and very few of the users here track their own performance on VS3. The wild swings we see people bringing to this forum ("MyCK score dropped / rocketed") unfortunately don't get a lot of comparatives.
If you have a Discover card, or Chase Slate, what is the score you see on those sites?
Yes, it does. Thanks for the details.
Your utilization on the Barclay went from (ballpark) 65% to 35%, presuming these are statement amounts. Mid-month doesn't matter so much, it's what is on the statement that gets reported for these card utilzation numbers, but that's a definite improvement in utilization from the CLI. Overall utilization went from 35% to 27% and that may have crossed another threshhold at 30%.
When all my cards went below 50% utilization on any single account, I got a nice boost in FICO scores. Thus, in this situation moving from some 65% to the 35% range on the one high-utilization card will help your FICO scores.
Where things get confused in the scoring is the baddies, but nothing to be done about those for now, just wait them out. From what you reported on FICO scores, it sounds like this CLI did not have much impact, which makes sense, there is not a lot changing here. CK VS3, as I noted before, does not have the same tracking here, and seems like it jumps around for reasons we cannot easily discern.
With low limits on cards like these, it is difficult to maintain low utilization. Therefore I would not worry too much about utilization. The Credit One account is probably hard to avoid charges when it is used, so if you can keep that one quiet and low cost then it helps your score overall.
The big improvement in your scores is in the future, when the last of those baddies goes away. While you wait, just keep paying on time and looking for the CLI. Try to pay the cards in full, to reduce / eliminate interest costs and enjoy the rewards benefits.
Discover provides your real TU FICO score each month, so that would be a useful feature. Discover is a good card to have, though it may not be something you want to get yet. There is a secured Discover, though I'm not sure the method to apply for it.
Good luck!