Back story,
In March 2023, I paid off all of my CCs except one. My scores went up a good bit and even my Fico 9 CC score went to 707.
Fast forward a few months, a couple of vacations, my utilization was at 30% overall. This morning, I paid a good bit of that down, enough to drop the utlization to 12.8%.
This thread going foward will be used to track my progress. Even though I still have my ch13 reporting (until Feb 2024), my scores are hovering between 685-695.
@FireMedic1 wrote:Get below 6% even better.
Ultimately my goal will be to hover between 5-10% but this is a good step in the right direction.
@madmann26 wrote:
@FireMedic1 wrote:Get below 6% even better.
Ultimately my goal will be to hover between 5-10% but this is a good step in the right direction.
Points awarded. Pass a threshold lose some. Max? Yeow!
@FireMedic1 wrote:
@madmann26 wrote:
@FireMedic1 wrote:Get below 6% even better.
Ultimately my goal will be to hover between 5-10% but this is a good step in the right direction.
Points awarded. Pass a threshold lose some. Max? Yeow!
That's useful -
Not mention once you get to 50% overall or close, Synchrony will pull out their hammer.
@madmann26 wrote:
@FireMedic1 wrote:
@madmann26 wrote:
@FireMedic1 wrote:Get below 6% even better.
Ultimately my goal will be to hover between 5-10% but this is a good step in the right direction.
Points awarded. Pass a threshold lose some. Max? Yeow!
That's useful -
Not mention once you get to 50% overall or close, Synchrony will pull out their hammer.
Good one! LOL! 