Thresholds work...😀

[Msjonesclt]

After reading through the forum, I decided to approach my cards differently. I was over 90% on a few cards. Paid them down to below 88%. Saw an increase in my scores ranging from 18 to 25 points. That was in January. Decided to try again this month and pay a few cards down below 68%. Not as big of an increase, but moved in the right direction. 7 to 14 pts. 

Thankful to the forums. 

[AllZero]

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@Msjonesclt wrote:

After reading through the forum, I decided to approach my cards differently. I was over 90% on a few cards. Paid them down to below 88%. Saw an increase in my scores ranging from 18 to 25 points. That was in January. Decided to try again this month and pay a few cards down below 68%. Not as big of an increase, but moved in the right direction. 7 to 14 pts. 

Thankful to the forums. 

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Congratulations on your score increases! Yes, I agree. Thresholds do work.

[blindambition]

Well proven thresholds. Congrats on your success!!!

[Anonymous]

In addition to percentage thresholds which are well-documented, there are also dollar thresholds that aren't at all well known.  A 10% utilization shift from (say) 95% to 85% may be "worth" more points on a higher TCL file.  One person may have $32k in total credit limits, where another has $274k.  That 10% shift will cross the same percentage threshold on both profiles, but for one file means a $3200 debt reduction where on the other file it's a $27,400 debt reduction.  While both could see similar score gains for the percentage threshold crossed, the second person may have crossed additional dollar threshold points compared to the first person, which could result in greater score gains.

[Msjonesclt]

Awesome. Thank you for sharing.