10% Utilization Dropped Equifax FICO 18 Points

[BobWang]

04/07/2013

Citi Forward $106 of $12,000 (0.883%)

Fidelity AmEx $123 of $100,000 (0.123%)

Eq04 816

 

05/01//2013

Citi Forward $106 of $12,000 (0.883%)

Fidelity AmEx $123 of $100,000 (0.123%)

PenFed AmEx New Account Reports

Eq04 814

[tifozi]

04/26/2013

DCU $101 of $20,000 (0.505%)

EQ04 = 803

 

05/03/2013

All accounts reporting 0

EQ04 = 791

 

12 point drop for 0 accounts reporting balance.

Edited May 3, 2013 by tifozi

[BobWang]

04/26/2013

DCU $101 of $20,000 (0.505%)

EQ04 = 803

 

05/03/2013

All accounts reporting 0

EQ04 = 791

 

12 point drop for 0 accounts reporting balance.

 

Very interesting, mine drops from 816 to 804, 12 point drop also.

[BDK]

04/07/2013

Citi Forward $106 of $12,000 (0.883%)

Fidelity AmEx $123 of $100,000 (0.123%)

Eq04 816

 

05/01//2013

Citi Forward $106 of $12,000 (0.883%)

Fidelity AmEx $123 of $100,000 (0.123%)

PenFed AmEx New Account Reports

Eq04 814

 

 

 

04/26/2013

DCU $101 of $20,000 (0.505%)

EQ04 = 803

 

05/03/2013

All accounts reporting 0

EQ04 = 791

 

12 point drop for 0 accounts reporting balance.

 

Very interesting, mine drops from 816 to 804, 12 point drop also.

I want to be in THIS bucket... :cry2:

[BobWang]

04/07/2013

Citi Forward Visa Sig $106 of $12,000 (0.883%)

Fidelity AmEx $123 of $100,000 (0.123%)

Eq04 816

 

05/01//2013

Citi Forward Visa Sig $106 of $12,000 (0.883%)

Fidelity AmEx $123 of $100,000 (0.123%)

PenFed AmEx New Account Reports

Eq04 814

 

05/12//2013

Citi Forward Visa Sig $106 of $12,000 (0.883%) [Reports as non-FSA Regular CC]

Fidelity AmEx $123 of $100,000 (0.123%)

NFL Visa $768 of $5,000 (15.36%) [FSA $5k Limit Reported]

Eq04 811

 

 

 

To me, it looks like the FSA NFL Visa Siggy is not being included in Utilization.

The 3 point drop was probably due to going from 2 to 3 accounts with balances.

I'll try to push the NFL to 20% next month and see what happens.

[Rebuilding2010]

nfl gave YOU 5k?

[BobWang]

nfl gave YOU 5k?

 

More than Wally.

[Android01]

4/03/13 - EQ04 - 808

 

Ameriprise (Barclays) $145/25,000

 

4/29/13 - EQ04 - 818 (the max for Beacon 5 I believe)

 

Ameriprise (Barclay's) $145/$25,000

Discover $19/$24,000

AMEX $125/$25,000

Citi $25/$17,500

 

5/10 - EQ04 -817

 

Discover - $30/$24,000

Cap One - $19/$14,000

 

My scores seems to improve with more accounts reporting a balance which is still less than 1% utilization.

[tifozi]

Very interesting. Do you have auto loans showing (even if closed/paid) and mortgage (closed?).

 

818 is indeed the highest for EQ04. Congrats.

[BobWang]

04/07/2013

Citi Forward Visa Sig $106 of $12,000 (0.883%)

Fidelity AmEx $123 of $100,000 (0.123%)

Eq04 816

 

05/01//2013

Citi Forward Visa Sig $106 of $12,000 (0.883%)

Fidelity AmEx $123 of $100,000 (0.123%)

PenFed AmEx New Account Reports

Eq04 814

 

05/12//2013

Citi Forward Visa Sig $106 of $12,000 (0.883%) [Reports as non-FSA Regular CC]

Fidelity AmEx $123 of $100,000 (0.123%)

NFL Visa $768 of $5,000 (15.36%) [FSA $5k Limit Reported]

Eq04 811

 

07/01//2013

Citi Forward Visa Sig $12 of $12,000 (0.1%) [Reports as non-FSA Regular CC]

NFL Visa $306 of $5,000 (6.12%) [FSA $5k Limit Reported]

Chase Freedom $14 of $40,000 (0.035%)

Eq04 808

 

 

It looks like my $100k Fidelity AmEx is not counted amongst cards with a balance.

[BobWang]

04/07/2013

Citi Forward Visa Sig $106 of $12,000 (0.883%)

Fidelity AmEx $123 of $100,000 (0.123%)

Eq04 816

 

05/01//2013

Citi Forward Visa Sig $106 of $12,000 (0.883%)

Fidelity AmEx $123 of $100,000 (0.123%)

PenFed AmEx New Account Reports

Eq04 814

 

05/12//2013

Citi Forward Visa Sig $106 of $12,000 (0.883%) [Reports as non-FSA Regular CC]

Fidelity AmEx $123 of $100,000 (0.123%)

NFL Visa $768 of $5,000 (15.36%) [FSA $5k Limit Reported]

Eq04 811

 

07/01//2013

Citi Forward Visa Sig $12 of $12,000 (0.1%) [Reports as non-FSA Regular CC]

NFL Visa $306 of $5,000 (6.12%) [FSA $5k Limit Reported]

Chase Freedom $14 of $40,000 (0.035%)

Eq04 808

 

07/08/2013

Citi Forward Visa Sig $12 of $12,000 (0.1%) [Reports as non-FSA Regular CC]

NFL Visa $306 of $5,000 (6.12%) [FSA $5k Limit Reported]

Chase Freedom $14 of $40,000 (0.035%)

Fidelity AmEx $14 of $100,000 (0.014%)

Eq04 808

 

 

 

It looks like my $100k Fidelity AmEx is not counted amongst cards with a balance.

[BobWang]

04/07/2013

Citi Forward Visa Sig $106 of $12,000 (0.883%)

Fidelity AmEx $123 of $100,000 (0.123%)

Eq04 816

 

05/01//2013

Citi Forward Visa Sig $106 of $12,000 (0.883%)

Fidelity AmEx $123 of $100,000 (0.123%)

PenFed AmEx New Account Reports

Eq04 814

 

05/12//2013

Citi Forward Visa Sig $106 of $12,000 (0.883%) [Reports as non-FSA Regular CC]

Fidelity AmEx $123 of $100,000 (0.123%)

NFL Visa $768 of $5,000 (15.36%) [FSA $5k Limit Reported]

Eq04 811

 

07/01//2013

Citi Forward Visa Sig $12 of $12,000 (0.1%) [Reports as non-FSA Regular CC]

NFL Visa $306 of $5,000 (6.12%) [FSA $5k Limit Reported]

Chase Freedom $14 of $40,000 (0.035%)

Eq04 808

 

07/08/2013

Citi Forward Visa Sig $12 of $12,000 (0.1%) [Reports as non-FSA Regular CC]

NFL Visa $306 of $5,000 (6.12%) [FSA $5k Limit Reported]

Chase Freedom $14 of $40,000 (0.035%)

Fidelity AmEx $14 of $100,000 (0.014%)

Eq04 808

 

07/12/2013

Citi Forward Visa Sig $12 of $12,000 (0.1%) [Reports as non-FSA Regular CC]

Chase Freedom $14 of $40,000 (0.035%)

Fidelity AmEx $14 of $100,000 (0.014%)

NFL Visa Sig $2,613 of $5,000 (52.26%) [FSA $5k Limit Reported]

Eq04 808

 

 

 

 

It looks like my $100k Fidelity AmEx is not counted amongst cards with a balance.

 

NFL Visa Sig also not counted in # or Utilization.

[BobWang]

04/07/2013

Citi Forward Visa Sig $106 of $12,000 (0.883%)

Fidelity AmEx $123 of $100,000 (0.123%)

Eq04 816

 

05/01//2013

Citi Forward Visa Sig $106 of $12,000 (0.883%)

Fidelity AmEx $123 of $100,000 (0.123%)

PenFed AmEx New Account Reports

Eq04 814

 

05/12//2013

Citi Forward Visa Sig $106 of $12,000 (0.883%) [Reports as non-FSA Regular CC]

Fidelity AmEx $123 of $100,000 (0.123%)

NFL Visa $768 of $5,000 (15.36%) [FSA $5k Limit Reported]

Eq04 811

 

07/01//2013

Citi Forward Visa Sig $12 of $12,000 (0.1%) [Reports as non-FSA Regular CC]

NFL Visa $306 of $5,000 (6.12%) [FSA $5k Limit Reported]

Chase Freedom $14 of $40,000 (0.035%)

Eq04 808

 

07/08/2013

Citi Forward Visa Sig $12 of $12,000 (0.1%) [Reports as non-FSA Regular CC]

NFL Visa $306 of $5,000 (6.12%) [FSA $5k Limit Reported]

Chase Freedom $14 of $40,000 (0.035%)

Fidelity AmEx $14 of $100,000 (0.014%)

Eq04 808

 

07/12/2013

Citi Forward Visa Sig $12 of $12,000 (0.1%) [Reports as non-FSA Regular CC]

Chase Freedom $14 of $40,000 (0.035%)

Fidelity AmEx $14 of $100,000 (0.014%)

NFL Visa Sig $2,613 of $5,000 (52.26%) [FSA $5k Limit Reported]

Eq04 808

 

07/17/2013

Citi Forward Visa Sig $12 of $12,000 (0.1%) [Reports as non-FSA Regular CC]

Chase Freedom $14 of $40,000 (0.035%)

Fidelity AmEx $14 of $100,000 (0.014%)

NFL Visa Sig $2,613 of $5,000 (52.26%) [FSA $5k Limit Reported]

AmEx Gold Delta $155 of $16,000 (0.97%)

Eq04 807

[BobWang]

07/08/2013

Citi Forward Visa Sig $12 of $12,000 (0.1%) [Reports as non-FSA Regular CC]

NFL Visa $306 of $5,000 (6.12%) [FSA $5k Limit Reported]

Chase Freedom $14 of $40,000 (0.035%)

Fidelity AmEx $14 of $100,000 (0.014%)

Eq04 808

Ex04 811

07/26/2013

Citi Forward Visa Sig $12 of $12,000 (0.1%) [Reports as non-FSA Regular CC]

Chase Freedom $14 of $40,000 (0.035%)

Fidelity AmEx $14 of $100,000 (0.014%)

NFL Visa Sig $2,613 of $5,000 (52.26%) [FSA $5k Limit Reported]

AmEx Gold Delta $155 of $16,000 (0.97%)

Eq04 807

Ex04 793

[BobWang]

Oh, the 793 is from my local CU,

 

where I had to open another Visa because they closed my $50k due to non-use.

 

Score range is 320-844,

 

so my local CU uses the non-Bankcard enhanced Experian V2 (PSECU)

 

Will be interesting to see if PSECU posts new scores before Barclays reflects $0 balance.

[tifozi]

Bob is that the CU that has 5% cash rewards? Perhaps you can talk them into providing monthly EX04 scores

[BobWang]

Bob is that the CU that has 5% cash rewards? Perhaps you can talk them into providing monthly EX04 scores

 

Shhh, you'll blow my cover.

 

Yes, the 5% is the only reason I applied for another Visa with them.

[BobWang]

07/17/2013

Citi Forward Visa Sig $12 of $12,000 (0.1%) [Reports as non-FSA Regular CC]

Chase Freedom $14 of $40,000 (0.035%)

Fidelity AmEx $14 of $100,000 (0.014%)

NFL Visa Sig $2,613 of $5,000 (52.26%) [FSA $5k Limit Reported]

AmEx Gold Delta $155 of $16,000 (0.97%)

Eq04 807

 

07/27/2013

Citi Forward Visa Sig $12 of $12,000 (0.1%) [Reports as non-FSA Regular CC]

Chase Freedom $14 of $40,000 (0.035%)

Fidelity AmEx $14 of $100,000 (0.014%)

NFL Visa Sig $2,613 of $5,000 (52.26%) [FSA $5k Limit Reported]

AmEx Gold Delta $155 of $16,000 (0.97%)

BofA AmEx $49 of $5,000 (0.98%)

Eq04 796

[tifozi]

Too many accounts reporting balances ? Citi Forward, NFL VIsa, Amex Gold (3rd account+new account = 807), BOA Amex (4th account = 796).

 

Oh welcome to the 700 club

 

 

[BobWang]

I think the NFL Siggy is not included in Utilization or # of cards with balances.

 

So, the BofA AmEx put me at 5 cards with a balance.

[BobWang]

07/17/2013

Citi Forward Visa Sig $12 of $12,000 (0.1%) [Reports as non-FSA Regular CC]

Chase Freedom $14 of $40,000 (0.035%)

Fidelity AmEx $14 of $100,000 (0.014%)

NFL Visa Sig $2,613 of $5,000 (52.26%) [FSA $5k Limit Reported]

AmEx Gold Delta $155 of $16,000 (0.97%)

Eq04 807

 

07/27/2013

Citi Forward Visa Sig $12 of $12,000 (0.1%) [Reports as non-FSA Regular CC]

Chase Freedom $14 of $40,000 (0.035%)

Fidelity AmEx $14 of $100,000 (0.014%)

NFL Visa Sig $2,613 of $5,000 (52.26%) [FSA $5k Limit Reported]

AmEx Gold Delta $155 of $16,000 (0.97%)

BofA AmEx $49 of $5,000 (0.98%)

Eq04 796

 

08/09/2013

Citi Forward Visa Sig $12 of $12,000 (0.1%) [Reports as non-FSA Regular CC]

Chase Freedom $14 of $40,000 (0.035%)

Fidelity AmEx $0 of $100,000 (0.0%)

NFL Visa Sig $2,613 of $5,000 (52.26%) [FSA $5k Limit Reported]

AmEx Gold Delta $155 of $16,000 (0.97%)

BofA AmEx $49 of $5,000 (0.98%)

Eq04 796

 

08/12/2013

Citi Forward Visa Sig $12 of $12,000 (0.1%) [Reports as non-FSA Regular CC]

Chase Freedom $14 of $40,000 (0.035%)

NFL Visa Sig $0 of $5,000 (0.0%) [FSA $5k Limit Reported]

AmEx Gold Delta $155 of $16,000 (0.97%)

BofA AmEx $49 of $5,000 (0.98%)

Eq04 807

[BobWang]

07/17/2013

Citi Forward Visa Sig $12 of $12,000 (0.1%) [Reports as non-FSA Regular CC]

Chase Freedom $14 of $40,000 (0.035%)

Fidelity AmEx $14 of $100,000 (0.014%)

NFL Visa Sig $2,613 of $5,000 (52.26%) [FSA $5k Limit Reported]

AmEx Gold Delta $155 of $16,000 (0.97%)

Eq04 807

 

07/27/2013

Citi Forward Visa Sig $12 of $12,000 (0.1%) [Reports as non-FSA Regular CC]

Chase Freedom $14 of $40,000 (0.035%)

Fidelity AmEx $14 of $100,000 (0.014%)

NFL Visa Sig $2,613 of $5,000 (52.26%) [FSA $5k Limit Reported]

AmEx Gold Delta $155 of $16,000 (0.97%)

BofA AmEx $49 of $5,000 (0.98%)

Eq04 796

 

08/09/2013

Citi Forward Visa Sig $12 of $12,000 (0.1%) [Reports as non-FSA Regular CC]

Chase Freedom $14 of $40,000 (0.035%)

Fidelity AmEx $0 of $100,000 (0.0%)

NFL Visa Sig $2,613 of $5,000 (52.26%) [FSA $5k Limit Reported]

AmEx Gold Delta $155 of $16,000 (0.97%)

BofA AmEx $49 of $5,000 (0.98%)

Eq04 796

 

08/12/2013

Citi Forward Visa Sig $12 of $12,000 (0.1%) [Reports as non-FSA Regular CC]

Chase Freedom $14 of $40,000 (0.035%)

NFL Visa Sig $0 of $5,000 (0.0%) [FSA $5k Limit Reported]

AmEx Gold Delta $155 of $16,000 (0.97%)

BofA AmEx $49 of $5,000 (0.98%)

Eq04 807

 

08/17/2013

Citi Forward Visa Sig $12 of $12,000 (0.1%) [Reports as non-FSA Regular CC]

Chase Freedom $14 of $40,000 (0.035%)

AmEx Gold Delta $0 of $16,000 (0.0%)

BofA AmEx $49 of $5,000 (0.98%)

Eq04 808

[BobWang]

08/09/2013

Citi Forward Visa Sig $12 of $12,000 (0.1%) [Reports as non-FSA Regular CC]

Chase Freedom $14 of $40,000 (0.035%)

Fidelity AmEx $0 of $100,000 (0.0%)

NFL Visa Sig $2,613 of $5,000 (52.26%) [FSA $5k Limit Reported]

AmEx Gold Delta $155 of $16,000 (0.97%)

BofA AmEx $49 of $5,000 (0.98%)

Eq04 796

 

08/12/2013

Citi Forward Visa Sig $12 of $12,000 (0.1%) [Reports as non-FSA Regular CC]

Chase Freedom $14 of $40,000 (0.035%)

NFL Visa Sig $0 of $5,000 (0.0%) [FSA $5k Limit Reported]

AmEx Gold Delta $155 of $16,000 (0.97%)

BofA AmEx $49 of $5,000 (0.98%)

Eq04 807

 

08/17/2013

Citi Forward Visa Sig $12 of $12,000 (0.1%) [Reports as non-FSA Regular CC]

Chase Freedom $14 of $40,000 (0.035%)

AmEx Gold Delta $0 of $16,000 (0.0%)

BofA AmEx $49 of $5,000 (0.98%)

Eq04 808

 

08/23/2013

Citi Forward Visa Sig $34 of $12,000 (0.28%) [Down from $841 or 7%. Reports as non-FSA Regular CC]

Chase Freedom $14 of $40,000 (0.035%)

BofA AmEx $49 of $5,000 (0.98%)

Eq04 808

[BobWang]

08/09/2013

Citi Forward Visa Sig $12 of $12,000 (0.1%) [Reports as non-FSA Regular CC]

Chase Freedom $14 of $40,000 (0.035%)

Fidelity AmEx $0 of $100,000 (0.0%)

NFL Visa Sig $2,613 of $5,000 (52.26%) [FSA $5k Limit Reported]

AmEx Gold Delta $155 of $16,000 (0.97%)

BofA AmEx $49 of $5,000 (0.98%)

Eq04 796

 

08/12/2013

Citi Forward Visa Sig $12 of $12,000 (0.1%) [Reports as non-FSA Regular CC]

Chase Freedom $14 of $40,000 (0.035%)

NFL Visa Sig $0 of $5,000 (0.0%) [FSA $5k Limit Reported]

AmEx Gold Delta $155 of $16,000 (0.97%)

BofA AmEx $49 of $5,000 (0.98%)

Eq04 807

 

08/17/2013

Citi Forward Visa Sig $12 of $12,000 (0.1%) [Reports as non-FSA Regular CC]

Chase Freedom $14 of $40,000 (0.035%)

AmEx Gold Delta $0 of $16,000 (0.0%)

BofA AmEx $49 of $5,000 (0.98%)

Eq04 808

 

08/23/2013

Citi Forward Visa Sig $34 of $12,000 (0.28%) [Down from $841 or 7%. Reports as non-FSA Regular CC]

Chase Freedom $14 of $40,000 (0.035%)

BofA AmEx $49 of $5,000 (0.98%)

Eq04 808

 

08/26/2013

Citi Forward Visa Sig $34 of $12,000 (0.28%) [Down from $841 or 7%. Reports as non-FSA Regular CC]

Chase Freedom $14 of $40,000 (0.035%)

BofA AmEx $0 of $5,000 (0.00%)

Eq04 813

[BobWang]

08/09/2013

Citi Forward Visa Sig $12 of $12,000 (0.1%) [Reports as non-FSA Regular CC]

Chase Freedom $14 of $40,000 (0.035%)

Fidelity AmEx $0 of $100,000 (0.0%)

NFL Visa Sig $2,613 of $5,000 (52.26%) [FSA $5k Limit Reported]

AmEx Gold Delta $155 of $16,000 (0.97%)

BofA AmEx $49 of $5,000 (0.98%)

Eq04 796

 

08/12/2013

Citi Forward Visa Sig $12 of $12,000 (0.1%) [Reports as non-FSA Regular CC]

Chase Freedom $14 of $40,000 (0.035%)

NFL Visa Sig $0 of $5,000 (0.0%) [FSA $5k Limit Reported]

AmEx Gold Delta $155 of $16,000 (0.97%)

BofA AmEx $49 of $5,000 (0.98%)

Eq04 807

 

08/17/2013

Citi Forward Visa Sig $12 of $12,000 (0.1%) [Reports as non-FSA Regular CC]

Chase Freedom $14 of $40,000 (0.035%)

AmEx Gold Delta $0 of $16,000 (0.0%)

BofA AmEx $49 of $5,000 (0.98%)

Eq04 808

 

08/23/2013

Citi Forward Visa Sig $34 of $12,000 (0.28%) [Down from $841 or 7%. Reports as non-FSA Regular CC]

Chase Freedom $14 of $40,000 (0.035%)

BofA AmEx $49 of $5,000 (0.98%)

Eq04 808

 

08/26/2013

Citi Forward Visa Sig $34 of $12,000 (0.28%) [Down from $841 or 7%. Reports as non-FSA Regular CC]

Chase Freedom $14 of $40,000 (0.035%)

BofA AmEx $0 of $5,000 (0.00%)

Eq04 813

 

08/30/2013

Citi Forward Visa Sig $34 of $12,000 (0.28%) [Down from $841 or 7%. Reports as non-FSA Regular CC]

Chase Freedom $0 of $40,000 (0.00%)

Eq04 816

 

My Current Bucket:

 

0 cards = -12

1 card = 0 Baseline of 816

2 cards = -3

3 cards = -8

4 cards = -9

5 cards = -20