Under 30% credit util=higher scores: True!!!

[donkort]

It's 64%--the combination of the student loan and the lease.

[Anonymous]

You probably just realized a couple points when you crossed around 65% or 66%. It’s been theorized there’s a couple points there.

[donkort]

Thanks.

I wouldn't be surprised if TU receives the report from HSN.  Then I'll find out my latest TU FICO.  Hope it's 800 or above.  But I'm thinking 797-798.

[donkort]

Nope.  TU didn't update.  The $764 is still the balance of the HSN card.  Maybe tomorrow.

[donkort]

TransUnion came in.  Bummer!  Only went up to 793.  But it's REALLY First World Problems.  Nothing to fuss about!

Here is the totality of my scores:

EQUIFAX

FICO 8:               800

FICO 9:               803

FICO 5:               805

Auto Score 8:    819

Auto Score 5:    815

Bankcard 8:      824

Bankcard 5:      810

Auto Score 9:   820

Bankcard 9:      813

EXPERIAN:

FICO 8:             797

FICO 9:             811

FICO 2:             831

Auto Score 8:   822

Auto Score 5:   865

Bankcard 3:      815

Bankcard 2:      856

Auto Score 9:   825

Bankcard 9:      821

TRANSUNION

FICO 8:             793

FICO 9:             812

FICO 4:             787

Auto Score 8:  808

Auto Score 4:  819

Bankcard 8:     816

Bankcard 4:     820

Auto Score 9:   825

Bankscore 9:    819

[Anonymous]

Yeah you got real problems don’t you? LOL those are some great scores great work!

[donkort]

Thanks.   I was hoping for an 800 for TransUnion----but TransUnion has always been my bugaboo bureau, anyway. 

I'm really tempted to try for an AMEX......but I'm going to try to garden for a year.  I want to be able to pay $400 a month for a great car, rather than the just decent car I have now.   A car where I should have paid around $200 a month, instead of $400 a month.  I like my Sedona Red Hyundai Tucson----but I hate paying $400 a month for it!

Like you said, I shouldn't go getting inquiries, and making my credit file sensitive.

[Anonymous]

Well that’s up to you, what good is credit if you don’t use it?

[donkort]

You have a point there.  One can never predict the future. 

I really have to get used to this LOL.  I had 13 years of hanging by a thread : - )

My wife would certainly like the airport lounge access which would come with an Amex Platinum.   

[Anonymous]

Moderation and control is the key in my humble opinion. Don’t spend money you don’t have. Just because your credit limit reaches the stars doesn’t mean you should, too! 😉