Woke up to an Experian 20 point jump to 618. FICO claims my Utilization at 13% caused this climb.
Internet has multiple statements in regards to 1-9% being best ratio. My 13% was an operator error in allowing an excess $ 50 not paid before statement, paid now.
Only been gaining 2-3 points since June.
unable to verify if a goodwill letter was granted, finally!