Just some more anecdotal evidence that individual utilization is just as important as overall utilization:
Now that EX has gotten their act together and updated everyone's Amex accounts, and seeing that my Kay card also updated, I decided to pull my EX score to see the effect of the change in utilization. Notice that my overall utilization barely changed, but I still got a nice little jump.
Previous EX Report (overall utilization 8%)
Amex $415 / $1000 = 42%
Kay $735 / $1500 = 49%
Previous EX FICO: 701
Current EX Report (overall utilization 6%)
Amex $37 / $2000 = 2%
Kay $285 / $1500 = 19%
Current EX FICO: 717
BTW, the 717 I now have on EX is the highest score I've ever had on any report. 
Happy camper tonight.
Nice work-
Individual utilization is very important-
I would have expected a slightly bigger jump-
Kay low balled you- I would call them and ask for a CLI-
cheddar wrote:
Just some more anecdotal evidence that individual utilization is just as important as overall utilization:Now that EX has gotten their act together and updated everyone's Amex accounts, and seeing that my Kay card also updated, I decided to pull my EX score to see the effect of the change in utilization. Notice that my overall utilization barely changed, but I still got a nice little jump.Previous EX Report (overall utilization 8%)Amex $415 / $1000 = 42%Kay $735 / $1500 = 49%Previous EX FICO: 701Current EX Report (overall utilization 6%)Amex $37 / $2000 = 2%Kay $285 / $1500 = 19%Current EX FICO: 717BTW, the 717 I now have on EX is the highest score I've ever had on any report.Happy camper tonight.