Credit Card Center Advertiser Disclosure

Moderator Emerita
Posts: 28,095
Registered: ‎04-01-2007
0 Kudos

Re: What about less than 1% util?

Moobs wrote:
That is great info to know! Especially for me while I'm on my quest to get below 10%. Now I know that I don't just need to get below 10%, I need to get below 9%. I probably would have bought all new reports as soon as I got to 9.2% but now I know different. I love this place! :

Moobs, I'm not sure that they round up for all figures, only if you're below 1%. As I recall, other util figures get rounded normally.

I certainly wouldn't swear to it though. And sometimes I've had bizarre utils displayed that I can't begin to figure out how they reached. This happens especially on TU.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Moderator Emeritus
Posts: 1,518
Registered: ‎04-20-2007
0 Kudos

Re: What about less than 1% util?

It didn't take long at all.  I only had 1 balance to consider.  Smiley Very Happy
EQ 814 / TU 815 / EX 842
Established Member
Posts: 32
Registered: ‎01-31-2008
0 Kudos

Re: What about less than 1% util?

Does anyone think you would get extra points for being at say 1% instead of 3% or does it not make a difference as long as it is between 1%-9%?
Scores Transunion-680 Equifax-661 Experian-701
As of 11/8/08
Scores Transunion-719 Equifax-697 Experian-788

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.