@jbsea wrote:I see the same thing on my NFCU CLOC on CK.... But the only thing in contrast to that is when I let my UtL go up this last round (it should be up to around 10% from around 1%) I didnt see much of a drop in my fico score. So I hope someone chimes in on this. I think CK has it wrong because if it is not included I should have had a much bigger drop in score.
On the NFCU LOC? 1 vs 10% isn't a big deal on an individual tradeline even under FICO. I went from something like $6 to 66% and didn't see a change at one point but it wasn't an entirely clean datapoint, but am planning to do some real testing on that in the near future as I just haven't followed through with my tradline utilization metrics. The 1-9% rule was established a while ago know it doesn't completely hold (since I get no difference at $2 <<< 1%) but not sure how far that stretches. Still good advice though admittedly.
This is just a theory, but I think CK which is Vantage Score 3.0 may look more at raw balances rather than percentages like FICO. It's really the only reason I can suggest from some people's anecdotal data that their scores are so much lower than their FICO ones. I do know VS looks at raw limits, it would follow it might do this on balances too.
