Took 1 card to 96% utilization...

[Kidcat]

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@_NERD wrote:
Finally PIF 6 out of 7 revolvers this month and I can't wait to see the the change in my 8 series scores. The scores in my sig reflect

QS1 97%
Cap 1 Plat sec 99%
Walmart 68%
BofA 42%
furniture account 53%
Jared 6%
Kay's 4%
- - - - -
Overall: 47%
After PIF reports: under 25%

Only the furniture account with carry a balance this month (under 50%).

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That's a nice paydown.  Update your scores as they post to see the incremental changes if you have the ability

[Kidcat]

UPDATE:  Received a 14pt increase on ESP.  Utility went to 95% (overall stayed at 30%).

But, my last baddie fell off too, a 30 day late 6.9 years old.  I didn't think 1 30 day late falling off would increase that much.  I didn't thin 95% was a threshold.  

In any event with those 2 changes, I gained 14 pts.  The other 2 haven't updated yet.  EQ will be good to see because that last 30 day late is still on there.

[RonM21]

Nice on the point gain and the last baddie falling off.

[Kidcat]

Thanks.  I didnt realize 1 old 30 day late had that type of impact.

[NRB525]

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@Kidcat wrote:

Thanks.  I didnt realize 1 old 30 day late had that type of impact.

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I would actually expect a bit more. Or at least, I would credit all this point gain to the baddie falling off. No other baddies remain now?

[Revelate]

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@NRB525 wrote:

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@Kidcat wrote:

Thanks.  I didnt realize 1 old 30 day late had that type of impact.

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I would actually expect a bit more. Or at least, I would credit all this point gain to the baddie falling off. No other baddies remain now?

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Been tons of posts in the past suggesting 30 day lates were effectively no impact past the 2 year mark.

I'm actually kinda surprised too.

[NRB525]

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@Revelate wrote:

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@NRB525 wrote:

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@Kidcat wrote:

Thanks.  I didnt realize 1 old 30 day late had that type of impact.

---

I would actually expect a bit more. Or at least, I would credit all this point gain to the baddie falling off. No other baddies remain now?

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Been tons of posts in the past suggesting 30 day lates were effectively no impact past the 2 year mark.

I'm actually kinda surprised too.

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No impact meaning someone with one 30-day late as the only baddie at 30 months reported an 800 score?

[JustinA]

I had 4 cards over limit now paid to 0. 2 reported 0 balance and I got 8 points :/

Fedloan reporting no lates at the end of the month is my alamo

[Kidcat]

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@NRB525 wrote:

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@Kidcat wrote:

Thanks.  I didnt realize 1 old 30 day late had that type of impact.

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I would actually expect a bit more. Or at least, I would credit all this point gain to the baddie falling off. No other baddies remain now?

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No other baddies, but I still have a card at 95% utilization.  Overall utilization 32%

[Kidcat]

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@Revelate wrote:

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@NRB525 wrote:

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@Kidcat wrote:

Thanks.  I didnt realize 1 old 30 day late had that type of impact.

---

I would actually expect a bit more. Or at least, I would credit all this point gain to the baddie falling off. No other baddies remain now?

---

Been tons of posts in the past suggesting 30 day lates were effectively no impact past the 2 year mark.

I'm actually kinda surprised too.

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This was my understanding too.  Maybe something else contributed, like card was at 98%, now at 95%.  Don't know if 95% is a threshold of some sort