My EQ score hasn't moved in months, I was at 24% then I paid down to 20% and now its at 12% didn't see a increase in score at all. I hope after this month when its at around 4% I see a jump. Just thought for sure I would see a increase from going 24% to 12% a bit bummed that I wasted a credit pull on nothing
Starting Score: 570
Darn it all!
Sometimes DH and I see some points between the low 20's and the low teens, with only one card reporting & sometimes not.
Is this your overall utilization?
If so, what is your utilization on each card?
thanks for the reply,
ya thats my total utilazation, I only have 2 cards one is around 3% lower limit card, and other is at around 11%. In july im paying the lower limit off and the higher limit will be at around 6% I hope my score moves then. I still have baddies on EQ but all are over 30months. I hope my score isnt capped at 661 with the baddies I have. My list of baddies are a just about 10 year old tax lien ( hopefully it will fall off at 10 year mark in a few months) a 30 month old paid judgement, and a paid in full charge off from first premier bank thats over 3 years old, last is 1 60day late and a 30 day late on a old auto loan that was paid over 3 years ago.
On the good side I have 2 auto loans that will be paid off in 2012 that have a perfect history on them (5year loan and a 3 year loan)
2 cc with perfect history one is almost 10years old other is only 6months both have perfect payment history
just for a update I pulled my equifax score went up 5points my util went from 12% to 6% not much else I can do now besides giving it time to raise my score up some more. I sent many G/W letters to First premier and a old auto loan that I missed some payments over 3 years ago, no luck on those accounts. I have a attorney working on getting my paid 30month old judgement off my credit reports ( I think I wasted money there paid $400 and all hes doing is disputing it) my transunion fico is 692 and my experian is 700 havent checked those after my drop in util. hopefully they went up a few more points also.