@genemat712 As I said welcome, we are glad to have you here and look forward to dialogue with you. But, in order to keep things orderly and so everyone is able to follow topics and research and find information, we prefer to keep our threads as much on topic as possible.
We welcome your discussion and ideas; we simply ask that you create your own thread when the subject matter is going to stray too far. Thank you though and I look forward to your threads,
For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.
Scores updated May 2020, unless otherwise noted. 5 revolvers reporting a balance, where it's normally 1, but took an HP on EX.
(Forgive typos, mobile.)(Everything said is Just IMHO.)
In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (aged/nonaged), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR? For example, mine is clean/thick/aged/new account, with open loan on record. If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record.
For utilization questions, list individual and aggregate utilizations, revolving and installment, please.