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10% Utilization Dropped Equifax FICO 18 Points


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456 replies to this topic

#51 BDK

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Posted 22 July 2011 - 12:51 PM

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:



#52 BobWang

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Posted 22 July 2011 - 12:57 PM


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. :(

#53 BobWang

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Posted 22 July 2011 - 12:59 PM

Yeah, they reported my 06/16/2011 statement balance of $305 the very next day.

But, with no balance, they're dragging their feet. :angry:

#54 BDK

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Posted 22 July 2011 - 01:09 PM

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:

#55 BobWang

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Posted 23 July 2011 - 08:17 AM

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

#56 BobWang

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Posted 24 July 2011 - 08:06 AM

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

#57 BobWang

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Posted 07 August 2011 - 08:33 AM

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

#58 BobWang

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Posted 12 August 2011 - 09:09 AM

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

#59 BobWang

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Posted 20 August 2011 - 07:43 AM

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

#60 BobWang

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Posted 31 August 2011 - 01:46 PM

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

#61 BobWang

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Posted 07 September 2011 - 08:44 AM

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

#62 eiui thelus

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Posted 07 September 2011 - 02:07 PM

Bob, you're so obsessed LOL

I quit caring, it hasn't changed anything, same cards, same CL, same APR's

#63 BobWang

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Posted 07 September 2011 - 02:40 PM

Bob, you're so obsessed LOL

I quit caring, it hasn't changed anything, same cards, same CL, same APR's

possessed, possessed. :P

#64 BobWang

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Posted 13 September 2011 - 06:18 PM

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

#65 qwerty4

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Posted 13 September 2011 - 06:25 PM

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?

#66 BobWang

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Posted 13 September 2011 - 06:33 PM

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

#67 BobWang

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Posted 13 September 2011 - 06:35 PM

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

#68 BDK

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Posted 13 September 2011 - 06:40 PM

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

#69 BobWang

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Posted 13 September 2011 - 06:43 PM


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

#70 BobWang

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Posted 14 September 2011 - 02:05 PM

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

#71 BDK

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Posted 14 September 2011 - 02:17 PM

:clapping::good:

#72 BobWang

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Posted 22 September 2011 - 10:14 AM

9/14/2011
Citi Forward Visa $2 of $12,000
FICO 816

9/22/2011
Citi Forward Visa $33 of $12,000
FICO 816

#73 Bobbydebt

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Posted 22 September 2011 - 10:50 AM

I liked it when Wang was hangin low in the 700's.

#74 CIO

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Posted 22 September 2011 - 06:13 PM

I liked it when Wang was hangin low in the 700's.


:rofl: :rofl: :rofl:

#75 BobWang

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Posted 28 October 2011 - 06:58 PM

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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