Scores not moving

[Anonymous]

I been doing very low UTI currently at 2% last 2 months. I have 3 cc and 2 report 0 and one reports about $25 every month. I only have 1 negative account which is a aid in full charge off. Am I doing something wrong?
EX 634
TU 630
EQ 621

[rmduhon]

What's your AAoA? And what percentage of the limit for that card is $25? Other than that it looks like you might just need to let the accounts age some

[Anonymous]

Buy power card limit $500 balance $25 6 months
Cap1 unsecured $500 balance $0 - 3 months
Discover secured balance $0- 3 months

[Anonymous]

Discover limit is $200

[Anonymous]

I think it's possible to have too low UTL. I've been trying to keep mine around 7-9% on each card. I let my Cap1 report at less than 1% last month, then back up at 8.5% this month. It might be circumstantial, but right after Cap1 just reported the higher UTL, I got a 12 point bump on EX and 20 points on EQ with alerts on the increased UTL. From what I can tell, TU looks at the total UTL of all your cards combined each time one reports. I'm sure others with more experience can weigh in. 

[Anonymous]

Only card I ever had report a balance is buy power card and never more than 4%

[rmduhon]

If my figures are right your AAoA is about 2 maybe 3 months. All you can do now is basically wait. You'll get a bit of a boost each month as the cards age and better ones at 6 months, 1 year, etc. This is the part that's hard for people with little or no patience. Have you tried for a CLI from Cap1 yet? I'm assuming the card is in credit steps?

[Anonymous]

Hey, AFTERLIFE, mad props to your rebuilding efforts! I just read through your post history and, man, I respect what you've accomplished! Best of luck in the future! 

[CreditScoreChallenged]

I think time is going to be your best friend. You may need to add a loan for a better mix of credit. Also have you tried to gw that charge off?

[Anonymous]

No I have not tried to gw cause it's Bank of America and they really hard.
As to the credit limit on cap1 it should be getting an auto cli on that.
I got a really good pattern going on these 3 cards as I rotate the cards. I charge a card that is farthest from the cut off date on my rotation as to give me the most time to pay it off in full before statement.
Guess I just need more time to age but so far I think I've done everything I have learned from these forums.
On a good note myfico9 scores are damm near 700 but of course it's not really in use 😔