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DCU September 2020 FICO is Up

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747  (recovered from 717 in Jan)

 

Rev bal at $19k / 2% util.  Jan rev $34k - 5% util. 

($60k in new lines this year)

 

Still have 15 revolvers reporting balances (mostly PIF)

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724 for me. A lot of utilization is reporting right now along with quite a few new accounts. Does anyone know when they update their pre-approved offers? I want a CLI on my DCU Visa, but I don’t want a hard pull, LOL

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Me: 726 (-33) (FICO 08 was down also to 738 due to 47% util)

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Wife: 783 (+12)

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Me: 726 (-33) (FICO 08 was down also to 738 due to 47% util)

 

Please give me a reality check that's consistent with my grasp of the universe and tell me that's utility on a single account, not overall ...  (of course, in my "reality", 47% overall utilization would translate to $400k+ in credit card bals; a scenario that would leave me more than a little unbalanced ;))

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47% overall. I only have 100k in limits and had some bigger expenditures overlap the past couple of months the way the reporting fell. 

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