@Anonymous wrote:
@Anonymous wrote:
@Anonymous
-CreditCheckTotal (Experian)
-Confirmed squeaky clean profile
-2 open Installment Accounts, 2 closed Installment Accounts
-No AU's
-2 new accounts in the last 2 years (Revolving and Installment) Both opened Aug 2020
- Inquiries are 2 TU, 1 EQ, 0 EX. All within the last 6 months.
-Cap1 QS $9500 CL, USBank REI $9000 CL
Highest UTI- USBank REI $7442/$9000 82%
Citi Diamond Preffered $2978/$4460 66%
3 other cards with balances below 50%
Again, the USBank should update in the next couple of days at $1452/$9000 @16% UTI. This will cross a few individual thresholds. Aggregate will be down to 25%. Expecting to be close to 740 at that point.
@Anonymous Thanks. A lot. That helps me to better understand your situation.
USB 82%->16% should give you a nice boost. Knocking Citi to below 39% (Sorry, I know I am spending another 1000 of your money) will help as well. High individual card UT hurts. I recently lost 25-27 points for a large CC purchase; got all points back when paid down.
An idea: If you have not yet paid USB, a 5K payment to them would leave you 1K for Citi. Same 6K spent differently.
Many ideas are not worth the TP on which they are written. What makes an idea a good idea worth acting on is understanding thinking through your realities, objectives and situation: interest rates, minimum payments, etc.
What I do know is spending discipline results in low UT, and that does nice things for your score.
Good luck.
Quick preview. USBank posted today on Experian. Aggregate is down to 25% from 39%. Individual down to 16% from 82%. EX Fico8 jumped 29 points to 744. All other models bumped up significantly as well. I'll run the full report when I'm sure it has been updated on TU and EQ!
