micha8st t1_iuj5mh4 wrote on October 31, 2022 at 6:51 PM

Reply to comment by AndrewPhilip619 in Obtaining a Perfect Credit Score by AndrewPhilip619

by the way... back in May (April?) I deliberately pushed my utilization over 30%. Temporarily my score dropped to 783, but it bounced back over 800 reasonably quickly.

AndrewPhilip619 OP t1_iuj61vu wrote on October 31, 2022 at 6:53 PM

My utilization rate today is at 15 percent I just checked on Experian. Not bad. You know what my greatest fear about this whole Credit thing is? Someone steals my info on the dark web and gets a card in my name and maxes it out. Now I have Lifelock and other credit monitoring to watch out for this, so I feel somewhat secure about it