What do you think score change will be?

[tiger67]

Currently:

AAoA 6,3

Oldest 11,1

1 30 day late, 29m ago

1 new account in 3 years, 7m ago

5 inq in last 12m

15 total open accounts, 7 with balances

11 revolving accounts - utility 29%

2 installment loans - utility 46%

Paying down accounts later this week to the following:

14 total open, 4 with bal

11 revolving, 1 w/ bal, 1% util

1 install, util 33%, bal $2575

Current TU FICO 711

Current EQ FICO 682

So, what do you think new scores will be?

[llecs]

35-40 for EQ
30-35 for TU

What happens if I win?

[nothingman02]

Theres a prize? Well here goes;

34-41 for EQ

29-36 for TU

[llecs]

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nothingman02 wrote:

Theres a prize? Well here goes;

34-41 for EQ

29-36 for TU

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You remind me of that one guy on the Price is Right who bids one dollar higher than the previous bidder.

[nothingman02]

Im a cheap gambler....going through bad credit period..

[tiger67]

Now that's funny.

Those quesses are in line with the simulator estimates for reducing rev to 1%; EQ 709-749, TU 711-751.

I'm also paying off an $8000 installment loan (not an option in the sim), so I am hoping for a few extra. This is the last thing I can do besides waiting for inquiries to fall off and 1 account to age. We'll see.

[nothingman02]

Guesses? llecs took a random guess. I calculated and figured it out and gave you the real deal...

[fused]

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tiger67 wrote:

Currently:

AAoA 6,3

Oldest 11,1

1 30 day late, 29m ago

1 new account in 3 years, 7m ago

5 inq in last 12m

15 total open accounts, 7 with balances

11 revolving accounts - utility 29%

2 installment loans - utility 46%

Paying down accounts later this week to the following:

14 total open, 4 with bal

11 revolving, 1 w/ bal, 1% util

1 install, util 33%, bal $2575

Current TU FICO 711

Current EQ FICO 682

So, what do you think new scores will be?

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Do you have any cards reporting over 50% util?

[tiger67]

Yes.

Of my 11 revolving accounts, 3 have balances: util 64%, 58%, 17%. By Fri 1 account will have a bal, 4% individual util., overall util 1%.

[tiger67]

Update:

Paid all three revolving accounts and the installment account to $0. Only the cc with 58% util has reported so far.

SW update 5/23 Equifax +33, 682 now 715. Will wait for others to report before pulling TU.

I am hoping that after all have reported scores will be solidly above 730.