Total utilization 99% to 47%

[Phisig2298]

We splurged and took the kids to Disney world this summer & used the cards to pay for it all.

Total credit available: $2850
Credit one: $850
cap one: $2000

Paid off Credit one completely
Paid $640 on the cap one card. $1360 remaining.

took a minor hit at 99% utilization. Now we are sitting at 612. We are going to apply for a mortgage once the new scores hit (usually the last week of the month). Anxiously waiting! Hoping to get a nice jump!

[Anonymous]

GL on the jump/mortgage!

[Phisig2298]

Thanks! I've been lurking on here for years now and my scores have drastically increased just based off of what others have done and I've mirrored. I know that overall utilization is still high but I'm hoping that cutting it by half + will boost me up. I'll definitely update once they hit

[Anonymous]

Cheap trip to DisneyWorld too hope it was a blast  

[Phisig2298]

The other half was a gift from the grandparents 😀

[Phisig2298]

Capital One posted.

Experian ⬆ 9 points..

Waiting on the others

[bch238]

If you took a "minor hit" at 99% utilization, I wouldn't expect more than an equal "minor" jump when you pay it off.

[Anonymous]

---

@Phisig2298 wrote:
We splurged and took the kids to Disney world this summer & used the cards to pay for it all.

Total credit available: $2850
Credit one: $850
cap one: $2000

Paid off Credit one completely
Paid $640 on the cap one card. $1360 remaining.

took a minor hit at 99% utilization. Now we are sitting at 612. We are going to apply for a mortgage once the new scores hit (usually the last week of the month). Anxiously waiting! Hoping to get a nice jump!

---

Disney is a good trip, I am taking my son there this summer.

In regards to applying for a mortgage, if it were me I would wait until most of the cc debt is paid off.

[Phisig2298]

Well credit one is dragging their feet.. No update from them.. First time they've done this.. 😕

[Phisig2298]

Credit one is starting to come in.. Experian.com up 22 points!! So 31 total since paying down the utilization. Lost 13 points but gained 31 so a net of +18.