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10% Utilization Dropped Equifax FICO 18 Points

BobWang

By BobWang
in Credit Forum

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The last post in this topic was posted 4160 days ago. 

 

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BDK

BDK

Posted
Posted

 

6/17/2011

Chase Freedom Siggy - $305 of $10,000 (Limit does not report)

 

6/22/2011

Chase Freedom Siggy - $305 of $10,000 (Limit does not report)

 

6/30/2011

Chase Freedom Siggy - $305 of $10,000 (Limit does not report)

 

7/22/2011

Chase Freedom Siggy - $305 of $10,000 (Limit does not report)

 

Just how long does Chase give you to make a payment anyways?? :dntknw:


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BobWang

BobWang

Posted
  • Author
Posted

6/17/2011

Chase Freedom Siggy - $305 of $10,000 (Limit does not report)

 

6/22/2011

Chase Freedom Siggy - $305 of $10,000 (Limit does not report)

 

6/30/2011

Chase Freedom Siggy - $305 of $10,000 (Limit does not report)

 

7/22/2011

Chase Freedom Siggy - $305 of $10,000 (Limit does not report)

 

Just how long does Chase give you to make a payment anyways?? :dntknw:

My Freedom Siggy statement closed on 07/16/2011 with a $0.00 balance.

 

Chase is just being REAL slow in updating. :(

BDK

BDK

Posted
Posted

Oh, yeah I see that ALOT, from almost all of my creditors.

 

Walmart even DOUBLE reported one month for me, to change from the $0 reported days before to a balance owed.:aggressive:

BobWang

BobWang

Posted
  • Author
Posted

Chase finally reported my Freedom $0.00 balance of 7/16 statement to Equifax & Experian.

TransUnion still shows $305 balance.

 

Hopefully, Equifax and myFICO Score Watches will give me back 6 points when they update.:D

BobWang

BobWang

Posted
  • Author
Posted

ACK!

I HAVE been re-bucketed due to 10% utilization and Visa Siggy carrying a balance.

Did not get my 6 points back. :cry2:

 

 

5/5/2011

Discover Business - $2,016 of $20,000

Citi Forward - $46 of $12,000

FICO 816

 

 

6/17/2011

Discover Business - $2,016 of $20,000

Citi Forward - $14 of $12,000

Chase Freedom Siggy - $305 of $10,000 (Limit does not report)

FICO 798

 

 

6/22/2011

Citi Forward - $14 of $12,000

Chase Freedom Siggy - $305 of $10,000 (Limit does not report)

FICO 810

 

 

6/30/2011

Citi Forward - $14 of $12,000

Chase Freedom Siggy - $305 of $10,000 (Limit does not report)

Chase Cash Plus $13 of $40,000

FICO 802

 

 

7/22/2011

Chase Freedom Siggy - $305 of $10,000 (Limit does not report)

Chase Cash Plus $13 of $40,000

FICO 810

 

 

7/24/2011

Chase Cash Plus $13 of $40,000

FICO 810

  • 2 weeks later...
BobWang

BobWang

Posted
  • Author
Posted

My Equifax FICO has been going up in 2 point increments.

PLUS FAKO going down in 8-point steps

 

 

5/5/2011

Discover Business - $2,016 of $20,000

Citi Forward - $46 of $12,000

FICO 816

 

 

6/17/2011

Discover Business - $2,016 of $20,000

Citi Forward - $14 of $12,000

Chase Freedom Siggy - $305 of $10,000 (Limit does not report)

FICO 798

 

 

6/22/2011

Citi Forward - $14 of $12,000

Chase Freedom Siggy - $305 of $10,000 (Limit does not report)

FICO 810

 

 

6/30/2011

Citi Forward - $14 of $12,000

Chase Freedom Siggy - $305 of $10,000 (Limit does not report)

Chase Cash Plus $13 of $40,000

FICO 802

 

 

7/22/2011

Chase Freedom Siggy - $305 of $10,000 (Limit does not report)

Chase Cash Plus $13 of $40,000

FICO 810

 

 

7/24/2011

Chase Cash Plus $13 of $40,000

FICO 810

 

 

7/28/2011

Chase Cash Plus $13 of $40,000

FICO 812

 

 

8/8/2011

Chase Cash Plus $2 of $40,000

FICO 814

BobWang

BobWang

Posted
  • Author
Posted

5/5/2011

Discover Business - $2,016 of $20,000

Citi Forward - $46 of $12,000

FICO 816

 

 

6/17/2011

Discover Business - $2,016 of $20,000

Citi Forward - $14 of $12,000

Chase Freedom Siggy - $305 of $10,000 (Limit does not report)

FICO 798

 

 

6/22/2011

Citi Forward - $14 of $12,000

Chase Freedom Siggy - $305 of $10,000 (Limit does not report)

FICO 810

 

 

6/30/2011

Citi Forward - $14 of $12,000

Chase Freedom Siggy - $305 of $10,000 (Limit does not report)

Chase Cash Plus $13 of $40,000

FICO 802

 

 

7/22/2011

Chase Freedom Siggy - $305 of $10,000 (Limit does not report)

Chase Cash Plus $13 of $40,000

FICO 810

 

 

7/24/2011

Chase Cash Plus $13 of $40,000

FICO 810

 

 

7/28/2011

Chase Cash Plus $13 of $40,000

FICO 812

 

 

8/8/2011

Chase Cash Plus $2 of $40,000

FICO 814

 

 

8/12/2011

Chase Cash Plus $2 of $40,000

LLBean Visa $335 of $25,000

FICO 811

BobWang

BobWang

Posted
  • Author
Posted

5/5/2011

Discover Business - $2,016 of $20,000

Citi Forward - $46 of $12,000

FICO 816

 

 

6/17/2011

Discover Business - $2,016 of $20,000

Citi Forward - $14 of $12,000

Chase Freedom Siggy - $305 of $10,000 (Limit does not report)

FICO 798

 

 

6/22/2011

Citi Forward - $14 of $12,000

Chase Freedom Siggy - $305 of $10,000 (Limit does not report)

FICO 810

 

 

6/30/2011

Citi Forward - $14 of $12,000

Chase Freedom Siggy - $305 of $10,000 (Limit does not report)

Chase Cash Plus $13 of $40,000

FICO 802

 

 

7/22/2011

Chase Freedom Siggy - $305 of $10,000 (Limit does not report)

Chase Cash Plus $13 of $40,000

FICO 810

 

 

7/24/2011

Chase Cash Plus $13 of $40,000

FICO 810

 

 

7/28/2011

Chase Cash Plus $13 of $40,000

FICO 812

 

 

8/8/2011

Chase Cash Plus $2 of $40,000

FICO 814

 

 

8/12/2011

Chase Cash Plus $2 of $40,000

LLBean Visa $335 of $25,000

FICO 811

 

 

8/20/2011

Chase Cash Plus $2 of $40,000

LLBean Visa $335 of $25,000

Citi Forward Visa $2 of $12,000

FICO 806

  • 2 weeks later...
BobWang

BobWang

Posted
  • Author
Posted

5/5/2011

Discover Business - $2,016 of $20,000

Citi Forward - $46 of $12,000

FICO 816

 

6/17/2011

Discover Business - $2,016 of $20,000

Citi Forward - $14 of $12,000

Chase Freedom Siggy - $305 of $10,000 (Limit does not report)

FICO 798

 

6/22/2011

Citi Forward - $14 of $12,000

Chase Freedom Siggy - $305 of $10,000 (Limit does not report)

FICO 810

 

6/30/2011

Citi Forward - $14 of $12,000

Chase Freedom Siggy - $305 of $10,000 (Limit does not report)

Chase Cash Plus $13 of $40,000

FICO 802

 

7/22/2011

Chase Freedom Siggy - $305 of $10,000 (Limit does not report)

Chase Cash Plus $13 of $40,000

FICO 810

 

7/24/2011

Chase Cash Plus $13 of $40,000

FICO 810

 

7/28/2011

Chase Cash Plus $13 of $40,000

FICO 812

 

8/8/2011

Chase Cash Plus $2 of $40,000

FICO 814

 

8/12/2011

Chase Cash Plus $2 of $40,000

LLBean Visa $335 of $25,000

FICO 811

 

8/20/2011

Chase Cash Plus $2 of $40,000

LLBean Visa $335 of $25,000

Citi Forward Visa $2 of $12,000

FICO 806

 

8/31/2011

LLBean Visa $335 of $25,000

Citi Forward Visa $2 of $12,000

FICO 811

BobWang

BobWang

Posted
  • Author
Posted

5/5/2011

Discover Business - $2,016 of $20,000

Citi Forward - $46 of $12,000

FICO 816

 

6/17/2011

Discover Business - $2,016 of $20,000

Citi Forward - $14 of $12,000

Chase Freedom Siggy - $305 of $10,000 (Limit does not report)

FICO 798

 

6/22/2011

Citi Forward - $14 of $12,000

Chase Freedom Siggy - $305 of $10,000 (Limit does not report)

FICO 810

 

6/30/2011

Citi Forward - $14 of $12,000

Chase Freedom Siggy - $305 of $10,000 (Limit does not report)

Chase Cash Plus $13 of $40,000

FICO 802

 

7/22/2011

Chase Freedom Siggy - $305 of $10,000 (Limit does not report)

Chase Cash Plus $13 of $40,000

FICO 810

 

7/24/2011

Chase Cash Plus $13 of $40,000

FICO 810

 

7/28/2011

Chase Cash Plus $13 of $40,000

FICO 812

 

8/8/2011

Chase Cash Plus $2 of $40,000

FICO 814

 

8/12/2011

Chase Cash Plus $2 of $40,000

LLBean Visa $335 of $25,000

FICO 811

 

8/20/2011

Chase Cash Plus $2 of $40,000

LLBean Visa $335 of $25,000

Citi Forward Visa $2 of $12,000

FICO 806

 

8/31/2011

LLBean Visa $335 of $25,000

Citi Forward Visa $2 of $12,000

FICO 811

 

9/7/2011

LLBean Visa $335 of $25,000

Citi Forward Visa $2 of $12,000

FICO 813

BobWang

BobWang

Posted
  • Author
Posted

5/5/2011

Discover Business - $2,016 of $20,000

Citi Forward - $46 of $12,000

FICO 816

 

6/17/2011

Discover Business - $2,016 of $20,000

Citi Forward - $14 of $12,000

Chase Freedom Siggy - $305 of $10,000 (Limit does not report)

FICO 798

 

6/22/2011

Citi Forward - $14 of $12,000

Chase Freedom Siggy - $305 of $10,000 (Limit does not report)

FICO 810

 

6/30/2011

Citi Forward - $14 of $12,000

Chase Freedom Siggy - $305 of $10,000 (Limit does not report)

Chase Cash Plus $13 of $40,000

FICO 802

 

7/22/2011

Chase Freedom Siggy - $305 of $10,000 (Limit does not report)

Chase Cash Plus $13 of $40,000

FICO 810

 

7/24/2011

Chase Cash Plus $13 of $40,000

FICO 810

 

7/28/2011

Chase Cash Plus $13 of $40,000

FICO 812

 

8/8/2011

Chase Cash Plus $2 of $40,000

FICO 814

 

8/12/2011

Chase Cash Plus $2 of $40,000

LLBean Visa $335 of $25,000

FICO 811

 

8/20/2011

Chase Cash Plus $2 of $40,000

LLBean Visa $335 of $25,000

Citi Forward Visa $2 of $12,000

FICO 806

 

8/31/2011

LLBean Visa $335 of $25,000

Citi Forward Visa $2 of $12,000

FICO 811

 

9/7/2011

LLBean Visa $335 of $25,000

Citi Forward Visa $2 of $12,000

FICO 813

 

9/7/2011

Citi Forward Visa $2 of $12,000

FICO 813

Equifax FAKO 819 to 820

qwerty4

qwerty4

Posted
Posted

5/5/2011

Discover Business - $2,016 of $20,000

Citi Forward - $46 of $12,000

FICO 816

 

6/17/2011

Discover Business - $2,016 of $20,000

Citi Forward - $14 of $12,000

Chase Freedom Siggy - $305 of $10,000 (Limit does not report)

FICO 798

 

6/22/2011

Citi Forward - $14 of $12,000

Chase Freedom Siggy - $305 of $10,000 (Limit does not report)

FICO 810

 

6/30/2011

Citi Forward - $14 of $12,000

Chase Freedom Siggy - $305 of $10,000 (Limit does not report)

Chase Cash Plus $13 of $40,000

FICO 802

 

7/22/2011

Chase Freedom Siggy - $305 of $10,000 (Limit does not report)

Chase Cash Plus $13 of $40,000

FICO 810

 

7/24/2011

Chase Cash Plus $13 of $40,000

FICO 810

 

7/28/2011

Chase Cash Plus $13 of $40,000

FICO 812

 

8/8/2011

Chase Cash Plus $2 of $40,000

FICO 814

 

8/12/2011

Chase Cash Plus $2 of $40,000

LLBean Visa $335 of $25,000

FICO 811

 

8/20/2011

Chase Cash Plus $2 of $40,000

LLBean Visa $335 of $25,000

Citi Forward Visa $2 of $12,000

FICO 806

 

8/31/2011

LLBean Visa $335 of $25,000

Citi Forward Visa $2 of $12,000

FICO 811

 

9/7/2011

LLBean Visa $335 of $25,000

Citi Forward Visa $2 of $12,000

FICO 813

 

9/7/2011

Citi Forward Visa $2 of $12,000

FICO 813

Equifax FAKO 819 to 820

 

The saga continues...

 

I guess it goes without saying, but nothing else changed, Bob, that could have rebucketed you?

BobWang

BobWang

Posted
  • Author
Posted

I must have been re-bucketed, since $335 out of a $25,000 card, is only 1.34% utilization.

 

I'm thinking my "real" Equifax FICO may be coming up a bit once Equifax Score Watch notices the $0. :D

BobWang

BobWang

Posted
  • Author
Posted

Oops, I forgot to change the date on the last entry, should be 9/13/2011, today. :blush:

 

9/13/2011

Citi Forward Visa $2 of $12,000

FICO 813

Equifax FAKO 819 to 820

BDK

BDK

Posted
Posted

Oops, I forgot to change the date on the last entry, should be 9/13/2011, today. :blush:

 

9/13/2011

Citi Forward Visa $2 of $12,000

FICO 813

Equifax FAKO 819 to 820

 

uh huh... :P

BobWang

BobWang

Posted
  • Author
Posted

Oops, I forgot to change the date on the last entry, should be 9/13/2011, today. :blush:

 

9/13/2011

Citi Forward Visa $2 of $12,000

FICO 813

Equifax FAKO 819 to 820

 

uh huh... :P

The perils of copy & paste. :D

BobWang

BobWang

Posted
  • Author
Posted

5/5/2011

Discover Business - $2,016 of $20,000

Citi Forward - $46 of $12,000

FICO 816

 

6/17/2011

Discover Business - $2,016 of $20,000

Citi Forward - $14 of $12,000

Chase Freedom Siggy - $305 of $10,000 (Limit does not report)

FICO 798

 

6/22/2011

Citi Forward - $14 of $12,000

Chase Freedom Siggy - $305 of $10,000 (Limit does not report)

FICO 810

 

6/30/2011

Citi Forward - $14 of $12,000

Chase Freedom Siggy - $305 of $10,000 (Limit does not report)

Chase Cash Plus $13 of $40,000

FICO 802

 

7/22/2011

Chase Freedom Siggy - $305 of $10,000 (Limit does not report)

Chase Cash Plus $13 of $40,000

FICO 810

 

7/24/2011

Chase Cash Plus $13 of $40,000

FICO 810

 

7/28/2011

Chase Cash Plus $13 of $40,000

FICO 812

 

8/8/2011

Chase Cash Plus $2 of $40,000

FICO 814

 

8/12/2011

Chase Cash Plus $2 of $40,000

LLBean Visa $335 of $25,000

FICO 811

 

8/20/2011

Chase Cash Plus $2 of $40,000

LLBean Visa $335 of $25,000

Citi Forward Visa $2 of $12,000

FICO 806

 

8/31/2011

LLBean Visa $335 of $25,000

Citi Forward Visa $2 of $12,000

FICO 811

 

9/7/2011

LLBean Visa $335 of $25,000

Citi Forward Visa $2 of $12,000

FICO 813

 

9/13/2011

Citi Forward Visa $2 of $12,000

FICO 813

Equifax FAKO 819 to 820

 

9/14/2011

Citi Forward Visa $2 of $12,000

FICO 816

 

 

Ta Da!

Took 4 months to claw back to 816. :D

  • 1 month later...
BobWang

BobWang

Posted
  • Author
Posted

ACK!

I forgot that Citi reports a $1.00 balance as $0.00

 

Lost 12 points due to NO balances reporting.

 

9/14/2011

Citi Forward Visa $2 of $12,000

FICO 816

 

9/22/2011

Citi Forward Visa $33 of $12,000

FICO 816

 

10/22/2011

Citi Forward Visa $1 of $12,000 (Reported as $0.00)

FICO 804

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