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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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swizzle1969

swizzle1969

Posted
Posted

Last question! Are you totaling up all your limits and then calculating what 3% would be and charging up to that each month? Or do you do no more than 3% per card? Little confused on this. I don't want to go over 3% utliization but I want monthly activity showing on 1 card.

BobWang

BobWang

Posted
  • Author
Posted

Last question! Are you totaling up all your limits and then calculating what 3% would be and charging up to that each month? Or do you do no more than 3% per card? Little confused on this. I don't want to go over 3% utliization but I want monthly activity showing on 1 card.

ANY activity on one card is enough to maintain my FICO score.

 

It's when I let it go to 0%, or 10% that I get a ding.

 

I have well over a million in credit card limits, so 3% would mean letting ~$40k balance report.

 

Haven't done that in a LONG time. :P

Menta33

Menta33

Posted
Posted

Last new account was Wally Discover in July, 2011.

 

If you can hold off opening any new accounts through July 2012, it would be interesting to see if you scores get a bump due to no new opened accounts in the last year.

 

Did you manage to get through January without applying for a replacement AMEX card?

BobWang

BobWang

Posted
  • Author
Posted

Last new account was Wally Discover in July, 2011.

 

If you can hold off opening any new accounts through July 2012, it would be interesting to see if you scores get a bump due to no new opened accounts in the last year.

 

Did you manage to get through January without applying for a replacement AMEX card?

Yup, July, 2012 is also special in that July, 2010 was my last Experian inquiry.

 

So, July, 2012 will be when I hit a year of no apps.

 

Aug, 2012 should be when I am TOTALLY inquiry-free on all 3. :D

1234

1234

Posted
Posted

Last new account was Wally Discover in July, 2011.

 

If you can hold off opening any new accounts through July 2012, it would be interesting to see if you scores get a bump due to no new opened accounts in the last year.

 

Did you manage to get through January without applying for a replacement AMEX card?

Yup, July, 2012 is also special in that July, 2010 was my last Experian inquiry.

 

So, July, 2012 will be when I hit a year of no apps.

 

Aug, 2012 should be when I am TOTALLY inquiry-free on all 3. :D

Bob did you B* EQ or TU in the last year or just have not App?

BobWang

BobWang

Posted
  • Author
Posted

01/27/2012

Visa $7 of $30,000

MasterCard $18 of $18,000

AmEx $5 of $5,000

Eq 816

Ex 840

TU 825

TransRisk 787

 

02/04/2012

Visa $7 of $30,000

MasterCard $18 of $18,000

AmEx $5 of $5,000

Lexus $3 of $25,000

Eq 816

Ex 840

TU 825

TransRisk 781

1234

1234

Posted
Posted

01/27/2012

Visa $7 of $30,000

MasterCard $18 of $18,000

AmEx $5 of $5,000

Eq 816

Ex 840

TU 825

TransRisk 787

 

02/04/2012

Visa $7 of $30,000

MasterCard $18 of $18,000

AmEx $5 of $5,000

Lexus $3 of $25,000

Eq 816

Ex 840

TU 825

TransRisk 781

Interesting your score stood the same but your TransRisk decrease any idea why Bob?

BobWang

BobWang

Posted
  • Author
Posted

Speaking of FAKOs...

 

2 Experian inquiries dropped off this morning, having hit the first full weekend of month 25.

 

Leaves me with 0 Equifax, 1 Experian, 1 TransUnion.

 

PLUS FAKOS went from

 

Eq 795, Ex 783, TU 790

 

to

 

Eq 795, Ex 787, TU 790

BobWang

BobWang

Posted
  • Author
Posted

02/04/2012

Visa $7 of $30,000

MasterCard $18 of $18,000

AmEx $5 of $5,000

Visa $3 of $25,000

Eq 816

Ex 840

TU 825

 

02/08/2012

Visa $7 of $30,000

MasterCard $18 of $18,000

AmEx $5 of $5,000

Visa $3 of $25,000

Visa $10 of $10,000

Eq 816

Ex 840

TU 825

BobWang

BobWang

Posted
  • Author
Posted

02/08/2012

Visa $7 of $30,000

MasterCard $18 of $18,000

AmEx $5 of $5,000

Visa $3 of $25,000

Visa $10 of $10,000

Eq 816

Ex 840

TU 825

 

02/09/2012

Visa $7 of $30,000

MasterCard $18 of $18,000

AmEx $5 of $5,000

Visa $3 of $25,000

Visa $10 of $10,000

MasterCard $8 of $8,000

Eq 816

Ex 840

TU 825

BobWang

BobWang

Posted
  • Author
Posted

02/08/2012

Visa $7 of $30,000

MasterCard $18 of $18,000

AmEx $5 of $5,000

Visa $3 of $25,000

Visa $10 of $10,000

Eq 816

Ex 840

TU 825

TransRisk 781

 

02/10/2012

Visa $7 of $30,000

MasterCard $18 of $18,000

AmEx $5 of $5,000

Visa $3 of $25,000

Visa $10 of $10,000

MasterCard $8 of $8,000

Eq 816

Ex 840

TU 825

TransRisk 777

1234

1234

Posted
Posted

02/08/2012

Visa $7 of $30,000

MasterCard $18 of $18,000

AmEx $5 of $5,000

Visa $3 of $25,000

Visa $10 of $10,000

Eq 816

Ex 840

TU 825

TransRisk 781

 

02/10/2012

Visa $7 of $30,000

MasterCard $18 of $18,000

AmEx $5 of $5,000

Visa $3 of $25,000

Visa $10 of $10,000

MasterCard $8 of $8,000

Eq 816

Ex 840

TU 825

TransRisk 777

Bob I do not see why TransRisk drops and Fico scores does not and it's just few dollars reporting? :search:

BobWang

BobWang

Posted
  • Author
Posted

02/10/2012

Visa $7 of $30,000

MasterCard $18 of $18,000

AmEx $5 of $5,000

Visa $3 of $25,000

Visa $10 of $10,000

MasterCard $8 of $8,000

Eq 816

Ex 840

TU 825

TransRisk 777

 

02/15/2012

MasterCard $18 of $18,000

AmEx $5 of $5,000

Visa $3 of $25,000

Visa $10 of $10,000

MasterCard $8 of $8,000

Eq 816

Ex 840

TU 825

TransRisk 777

  • 2 weeks later...
BobWang

BobWang

Posted
  • Author
Posted

02/15/2012

MasterCard $18 of $18,000

AmEx $5 of $5,000

Visa $3 of $25,000

Visa $10 of $10,000

MasterCard $8 of $8,000

Eq 816

Ex 840

TU 825

TransRisk 777

 

02/25/2012

MasterCard $5 of $18,000

Visa $3 of $25,000

Visa $10 of $10,000

MasterCard $8 of $8,000

Eq 816

Ex 840

TU 825

TransRisk 782

BDK

BDK

Posted
Posted

More on FAKOs.

 

My only TU inquiry dropped off after 2 years.

 

TU PLUS FAKO went from 790 to 798.

 

Plz post back when Walmart score comes out next month..

BobWang

BobWang

Posted
  • Author
Posted

02/25/2012

MasterCard $5 of $18,000

Visa $3 of $25,000

Visa $10 of $10,000

MasterCard $8 of $8,000

Eq 816

Ex 840

TU 825

TransRisk 782

 

03/04/2012

MasterCard $5 of $18,000

Visa $4 of $25,000 (Closes the 19th, Reported the 4th)

Visa $10 of $10,000

MasterCard $8 of $8,000

Eq 816

Ex 840

TU 825

TransRisk 782

BobWang

BobWang

Posted
  • Author
Posted

AND

 

2012-02-02 UMB closes with $10.00 balance

2012-02-02 $10.00 balance reported till 2012-03-04 on Experian

2012-02-07 Paid $10.00 on UMB's Card Center Direct web site

2012-02-15 Charged $12.00

2012-02-28 AutoPay pulls $10.00 payment

2012-03-02 Statement closes with $2.00 balance

2012-03-03 Paid $2.00 on UMB's Card Center Direct web site

2012-03-04 $0.00 balance on Experian

2012-03-05 $10.00 balance on Equifax & TransUnion

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

 

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