Ouuuccchhhhh. 40 point dings after last car payment.

[Anonymous]

If I'm correct, I should wait for 3 cycles to report before requesting more Luv from Disco.

What about Cap One? Does timing matter? If I am below 29% aggregate usage, below 45% on Cap one and below 65% on Disco ( or even lower thresholds) would it matter how long I waited before asking again?

Those extra boosts could get it below the next threhsold levels quicker, which is why I tried now.

Will wait on Synchrony, then perhaps try to bump Amazon from 15K to 20 or 25 after things clear up. They seem to be generous. When from like 3 or $600 on Lowes to 25K in the same day with one phone call in the early stages of rebuilding.

[Anonymous]

TU has finally updated. As expected, a huge hit. 36 points bringing me down to 720. Scores are now 742/720/741. TU has always been lowest. Will update the 3B report either shortly, or wait for Disco & Cap 1 to report lower balances which have just been paid, then do it.

[Duke_Nukem]

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@Anonymous wrote:

If I'm correct, I should wait for 3 cycles to report before requesting more Luv from Disco.

What about Cap One? Does timing matter? If I am below 29% aggregate usage, below 45% on Cap one and below 65% on Disco ( or even lower thresholds) would it matter how long I waited before asking again?

Those extra boosts could get it below the next threhsold levels quicker, which is why I tried now.

Will wait on Synchrony, then perhaps try to bump Amazon from 15K to 20 or 25 after things clear up. They seem to be generous. When from like 3 or $600 on Lowes to 25K in the same day with one phone call in the early stages of rebuilding.

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Disco is hard to figure out.  You can request every day or week or month, etc.  Some have better luck requesting after statement cuts.

I don't think CapOne hands out auto denials if you request a CLI too soon after a previous denial.  But it probably wouldn't do any good with them to request more than once a month.

[Anonymous]

I've recouped some of the loss...

Paid Cap1 down to 48% from 75%. All 3 now reported, EX got an 11 point boost to 752, EX a 13 point boost to 755, and TU 18 points to 739 (which also included a Synchrony Lowes account which has been at 0 for 3 months and finally updated).

Aggregate utlization went from 38% to 34%.

When Disco reports (in about 10 days) Disco utilization will cross from a tad under 88% to 65% and aggregate utilization will fall slightly under 28%. That should be enough to drive TU back over 740 (I'm only 1 point off now) and give the rest a boost. After that, I'll have Cap 1 (with a lower balance and higher interest rate) below 48% and Disco ~4K away from 48%. I'd rather get Cap 1 to zero next. With only 4 revolvers & no other open accounts, having half of them report a balance is knocking TU lower (plus it's higher interest, so I want to get rid of it). Should be about 2 months or less before Cap1 goes away. I can chip at Disco in the interim, then by December have it below 48%.

At least the light at the end of this tunnel after a 40 point drop across all 3 is not from an oncoming freight train. Based on the simulator I should be at 800 on TU and over on the rest once I get there. Then it's a matter of qualifying financially for a mortgage.

[Anonymous]

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@Anonymous wrote:

When Disco reports (in about 10 days) Disco utilization will cross from a tad under 88% to 65% and aggregate utilization will fall slightly under 28%. That should be enough to drive TU back over 740...

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You'll get far more than 1 point from 739 to 740 for that.  You're crossing an aggregate utilization threshold (28.9%) which is good on most profiles for 10-15 points and that's not including any individual utilization threshold crossings.  Definitely don't listen to a thing simulators tell you, though.

[Anonymous]

After getting Cap1 below 48% and Disco below 65% I Jumped from 742/720/741 to 765/752/766 (EQ/TU/EX respectively).

I figured WTH, no HP in 2 years, so tried for a Lightstream loan (long story, was going to get a new jeep to replace a 2010 & figured an installment loan would help my reports, since it would be at very low util. by the time I was ready for a mortgage). Surprisingly, was approved for a very large amount. The value of the 2010 (either by retail sale or trade in) would be applied to CC balances.

I paid Cap1 to zero. Statement just cut, but got hit with interest, so it won't report zero until next round. Nov 4 Disco stmt cuts. It will be 23%, down from 65% on last round. Going to be interesting to see how this shakes out -- A HP (did not see a ding for it) on EQ only, a new installment loan (simulator says I should lose 5 points), agg utilization down to 7%, and AZEO. By the time Cap1 reports Zero (next cut, Nov 19) Disco will be down to 1%.

Next, I need a card or 2 more to thicken my file. Something like CSR or Amex Plat. so it pulls EX.Only issue with those is I may be on the naughty list from 10-15 years ago. Will test the waters after everything updates again. Might as well add a few HP now & let them age together, as I am at least a year away from a mortgage app. Waiting to see if I can tag 800 territory first in < 2 months.