equifax's outsourced agents know nothing. ask them and do the opposite
about the 10% utilization, i've had that happen before and heard of that. from what i read, since there are so many variables, what can affect one person (obviously?) will affect a second differently. so for each person there will be different factors, different ideal utalization amounts. so its confusing, but not uncommon.
and Dan, why not pay your bills before they come out? or at least to a specific amount. not that you need to work on your credit, but i assume you would do that before you applied for a mortgage or something. i find it convenient that the balance is only important one day a month.
i just bought $1k of coins on a card which reports the end of the month, paid another card down $1k, and the statement came out thursday. it should report by monday (do they report on weekends?), and when that goes through, after other payments i made, it should bring my utiliztaion from 44% to 27%.
my score last week was 708, haven't checked again for certain reasons, but iy''h i'll be going for some cards soon!
