A bit Frustrated

[Anonymous]

All I said is that I read is somewhere... and I chose the wording to accurately describe… 

There is much good information in our forums, but I’m sure also false.

[Anonymous]

I will say that Util had a huge role in my score, when I dropped my Util from 80%+ to 10%- my scores went from the 680's to the 780's. The only other negative in my file is two student loans with 90 lates from 6.5 years ago. So it was very much my util that was holding my scores down, and by around 100 points.

[Anonymous]

---

@Anonymous wrote:

I will say that Util had a huge role in my score, when I dropped my Util from 80%+ to 10%- my scores went from the 680's to the 780's. The only other negative in my file is two student loans with 90 lates from 6.5 years ago. So it was very much my util that was holding my scores down, and by around 100 points.

---

That is consistant to the Experian FICO simulator on my case, it shows about 100 points difference from 0% to 100% utili