Credit Card Center Advertiser Disclosure

Regular Contributor
Posts: 114
Registered: ‎06-14-2008
0 Kudos

+ 34 points EX for paying util. down

I got a 34 point increase today (Experian)  for paying util. on my only cc from 95% to 3%.  I was hoping to see a higher increase, darn.
June 09: TU 591, EQ 526, EX 576
June 10: TU 647 EQ 643, EX 661
March 12: TU 700 EQ 700
Established Contributor
Posts: 814
Registered: ‎07-04-2008
0 Kudos

Re: + 34 points EX for paying util. down

Congrats. A 34+ boost in such a short amount of time was something that I originally thought was impossible. Now, I assume by util at 3%, you mean that only 3% separates your balance from limit, correct? I'm still a newbie Smiley Wink Either way, good job.
Valued Contributor
Posts: 1,126
Registered: ‎03-25-2008
0 Kudos

Re: + 34 points EX for paying util. down

3% util means you are only using 3% of your credit lines. Thus, if you had 100 in credit lines, you would be using 3 bucks. Prior to that the original poster was using the equivalent of 95 dollars of credit out of 100.

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.