My Experian Premium subscription updated for the month today, and both NFCU and Citi have reported. My Fico for EX dropped three points, TU and EQ remained the same—so no lost points with them. My AmEx for the month closes on Friday, but I’m going to let that one stay and hit the statement since it’s only $48. Both Chase has been paid off. My other cards are also at “0”.
Next month I have to decide whether or not I will do AZEO or allow two or three balances to report, but I’ll leave NFCU out of the mix. I am wondering if this is why my score dropped on Experian; NFCU only has $1000 SL, and the balance was $116, which pushed the utilization on that card to 10%, although the aggregate utilization for the two cards reporting was 1%.
Starting Score: 784