Re: Utilization Ratio

lhcole77 · ‎08-26-2016

There has been anecdotal evidence that repeated/long term high UTL may rebucket an individual though.

I remember a few posts from 2013-2014 ish pertaining to this in the Understanding FICO Scoring arena.

sarge12 · ‎08-26-2016

Dont feel bad if credit score is stuck...so is mine!!!

TU fico08=812 07/16/23
EX fico08=809 07/16/23
EQ fico09=812 07/16/23
EX fico09=821 07/16/23
EQ fico bankcard08=832 07/16/23
TU Fico Bankcard 08=840 07/16/23
EQ NG1 fico=802 04/17/21
EQ Resilience index score=58 03/09/21
Unknown score from EX=784 used by Cap1 07/10/20

Anonymous · ‎08-26-2016

I feel bad! T_T haha. Gotta catch up

sarge12 · ‎08-26-2016

But they are stuck there...never move, looks like straight lines!!!

TU fico08=812 07/16/23
EX fico08=809 07/16/23
EQ fico09=812 07/16/23
EX fico09=821 07/16/23
EQ fico bankcard08=832 07/16/23
TU Fico Bankcard 08=840 07/16/23
EQ NG1 fico=802 04/17/21
EQ Resilience index score=58 03/09/21
Unknown score from EX=784 used by Cap1 07/10/20

Burned2manybridgesB4 · ‎08-26-2016

Didn't see it mentioned, but beyond the individual vs group utilization, keep in mind the number of cards showing a balance hits you as well. For example, I just took a 2 point hit for going from 2 cards with balance to 4.

Utilization Ratio

Get your FICO® Score for free