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EdYu

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  1. My Experian FICO briefly hit 799 when my usage went under 5%, but then, it went down to 795 when my usage went slightly north of 5%. Another card bumped my limit (without request). Current Utilization looks like this... 23,100/125 15,000/0 8,000/300 12,000/1,300 5,000/1,100 6,500/1,400 8,000/0
  2. Just had another bank report. Today's score is.... 784!!! (Experian/FICO) Current Utilization looks like this... Limit/Balance 23,100/9,600 15,000/0 8,000/300 9,500/300 5,000/1,100 6,500/1,400 8,000/0 Don't let that "0 missed payments" tab throw you. That means 0 in the past year. You can still see the "bad payment history" under the "What's hurting" section.
  3. freecreditscore.com > view all accounts > click on the line with the account It opens and you see that information.
  4. Without the lates AND the horrible utilization. As I said, I really don't care about my score (except when I am applying for credit).
  5. I don't know if you are saying that I'm not telling the truth about the score, or that Experian calculated the score incorrectly or that you are wrong in your supposition, but here are the screen shots.
  6. Thanks again for the info. I do have a few derogs (I think). 4 x 30 day lates (most recent 31 months ago) 1 medical collection (under $100, paid, less than 2 years old) A couple of score updates... July 7 - TransUnion Vantage - 652 - July 31 - 732 (+80) June 22 - Experian Vantage - 688 - July 28 - 736 (+48) July 6 - Experian FICO - 714 - August 2 - 762 (+48) July 26 - Equifax Vantage - 660 - July 28 - 737 (+77) June 26 - Equifax FICO - 711 - July 24 - 735 (+24) Based upon the comments here and once change to a credit limit, new
  7. Thanks for the information. The reason that I supposed this was... I really hadn't found anywhere that talked about the impact of the status of each individual card. Everything that I had read talked about the negative impact of total utilization. When I saw how much that $4 over limit impacted my score even though my total utilization hadn't changed much, I realized that the advice of total utilization was only part of the story and that each individual card's utilization also impacted my score. I thought that this epiphany would also translate to the 0% utilization.
  8. My understanding is that a zero balance is seen as slightly more negative than a small balance. My goal for each of the cards is 2% which will put me under 5% (but not zero) total Utilization.
  9. Hi all, long time follower, new member, first post. Good stuff up front. Details later. Scores: July 7 - TransUnion Vantage - 652 - July 28 - 731 (+79) June 22 - Experian Vantage - 688 - July 28 - 736 (+48) July 6 - Experian FICO - 714 - July 28 - 761 (+47) July 26 - Equifax Vantage - 660 - July 28 - 737 (+77) June 26 - Equifax FICO - 711 Background: I was a very successful Realtor for 12 years, but I lost my spouse to Cancer in 2011. After that ordeal and a bout of grieving/depression, my score bottomed out in
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