distantarray wrote:your AAOA might have hit a new Tier or sometimes a credit limit is reported late lowering your utility there's a lot of things Fico does weird an never explains. I was able to get 750+ in 1 year and I have friends who couldn't hit that in 5 years.
this is true. really the only thing i can think of is that i havent openned any new accounts since agust and my oldest new account turned 5 months. card says since july but inq is jun 26th.
other then that my util went to 7% vs 1% and 2 cc reporting and amex with the balance that doesnt effect util.
paid amex and my highest card so now just best buy reporting 325 out of 14k in limits.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
>> About myFICO
