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Regular Contributor


I am sort of in disbelieve right now...  In the last 45 days, my scores have gone up about 60 pts each.  The only differences from then until now is that I have paid off approximately $2,000+ in credit card debt, a $1,000 Discover CLI reported (just missed my $5,000 Chase SP CLI from being reported.  I got the increase two days after my statement cut), and I have been added to my DW's Double Cash card as an authorized user - only $3,600 limit.  None of my other alerts were anywhere close to as big of an increase even with more debt being paid off at times.  My only other sizeable jump was near the beginning when my last baddie was removed.


I suppose it has finally taken my overall UTL under 20%...  but wow.  This is fantastic.  My TU score just updated (waiting on the others), but here is my graph.  Very happy.  Smiley Very Happy 



Main Cards: CSR(30k), DiscoverIT(50k), Freedom(10.5k), Ink+(17k), SallieMae(17.5k), 3x BoA MLB(24k), 2x BoA BBR(16k) and probably too many other cards at this point...
Current Score:
EQ: ??? TU: 799 EX: 784 - Last Updated 2-2-17 - Last CC App 11/25/16
Message 1 of 4
Established Contributor

Re: Re-bucketing??

Utilization alone can have a pretty big impact on score

Moto Credit | Best Buy | Discover IT | Barclay Rewards MC | Amazon | Care Credit | Barclay SallieMae WMC | CapOne QuickSilver | Chase Freedom | Marvel MC | Fidelity Rewards Visa Sig | Citi DC
FICO 08 (5/4/16): EQ 779 TU 771 EX 768
Message 2 of 4
Valued Contributor

Re: Re-bucketing??

Wow That's fantastic! Congratulations!! 

| Gardening goal: Jun 2016 Baby Steps | Sep 2015 scores EQ 639 TU 678 EX 653 | In the garden since 7/24/15 | Util 21% |
Message 3 of 4
Frequent Contributor

Re: Re-bucketing??

That's GREAT!    Congrat!!!

11/14 Wake up: EX 10/14 584 GOALS: 2015=720+ My FICO:10/27/15 EQ 693 TU 712 EX 705: WalMart 5K- C1 QS 1300 ; C1QS 1300 : Credit One 500; Kay 6k : PP Smart Conn 4k; QVC 3500: USAA Plat MC 1,500 AMEX PRG nsl : BoA $3k; Kohls 750: Am Eagle 4k: Amazon 6k ; Pier One 3500; Lowes 12k: VS 350: Chase Amazon 500; Sportsmans 2k; Ttl Rwds Sign VISA $9K; BJsPerks $4k: BarclayNFL 3800; JCP 5k; Macys 1k; NFCU cc $25k: NavCheck $15k; AARP $4k; Discover $4k
Message 4 of 4
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