takeshi wrote:Are you down to to 741 or down from 741?
Down to 741. Citi is showing a 789 but I dunno which model they give away (I assume either 8 or bank card 8). FICO Score 8 from MyFICO shows a 741 EQ at the moment. I suppose a few points off is possible if Citi is using a different FICO model.
takeshi wrote:Are you intending to apply for anything immediately anyway?
Nah, was sorta looking at another card but it's just boredom.
takeshi wrote:Are you sure that was the only change?
Absolutely sure. I routinely show zero balances all the way down my account list. I have my card use down to a fairly rigid system. I slip up and print a $40 balance occasionally but it's rare. The only changes would be another month of account age and a $7800 installment loan balance going to zero.