Smaller than expected score bump

[Anonymous]

So....I paid down aggregate utilization from 37% to 12%. Got a score bump of 8 points. 2 baddies on my report, 30 day late, scheduled to fall off in May and CO scheduled to fall off May 2019. I have 2 other cards reporting at 40% and 39% utilization, which have been paid to 27% and 0 respectively, but have not been updated on my reports yet. My scores are EX 704, EQ 703, TU 718. Am I being held back due to my dirty score card? I thought going from 37% to 12% would give me a bigger bump. Once my other 2 cards report I will be at 7% aggregate utilization. Should I expect same bump in score or more due to crossing over to below 8.9%. Advice welcomed.

[SouthJamaica]

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@Anonymouswrote:

So....I paid down aggregate utilization from 37% to 12%. Got a score bump of 8 points. 2 baddies on my report, 30 day late, scheduled to fall off in May and CO scheduled to fall off May 2019. I have 2 other cards reporting at 40% and 39% utilization, which have been paid to 27% and 0 respectively, but have not been updated on my reports yet. My scores are EX 704, EQ 703, TU 718. Am I being held back due to my dirty score card? I thought going from 37% to 12% would give me a bigger bump. Once my other 2 cards report I will be at 7% aggregate utilization. Should I expect same bump in score or more due to crossing over to below 8.9%. Advice welcomed.

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I think you'll get more of a bump.

[topgunvf]

Agreed and thanks for the data point. Keep us posted!

[Anonymous]

If you got 8 points crossing the 28.9% threshold, I'd expect you to gain probably double that (give or take) crossing the 8.9% aggregate threshold.

[Anonymous]

Thanks for all the inputs. Will update once my other 2 cards have posted.