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Strang thing is that my credit util was 5% and my plus score from EX was 739.
A week ago I paid a lot on a card and that brought my util to 1% and I got an 18 points boost. Everything else stayred the same. It updated pretty fast but that's a big boost even though it's a FAKO.
I didn't think that from 5-1% I would get that kind of a jump
@CS800 wrote:Strang thing is that my credit util was 5% and my plus score from EX was 739.
A week ago I paid a lot on a card and that brought my util to 1% and I got an 18 points boost. Everything else stayred the same. It updated pretty fast but that's a big boost even though it's a FAKO.
I didn't think that from 5-1% I would get that kind of a jump
It's a plus score. Kind of goes with the saying, FAKO does what FAKO does. However, I've found that different people have different "sweet spots" when it comes to util. For me it's around 4%.
Congrats on the bump!!!
@Shogun wrote:
@CS800 wrote:Strang thing is that my credit util was 5% and my plus score from EX was 739.
A week ago I paid a lot on a card and that brought my util to 1% and I got an 18 points boost. Everything else stayred the same. It updated pretty fast but that's a big boost even though it's a FAKO.
I didn't think that from 5-1% I would get that kind of a jump
It's a plus score. Kind of goes with the saying, FAKO does what FAKO does. However, I've found that different people have different "sweet spots" when it comes to util. For me it's around 4%.
Very true. I always thought that below 10% was the sweet spot. Now I wonder what would happen if I get that to 0%
@DaBears wrote:Congrats on the bump!!!
Thanks . Now it would be good to see if that does give me an actual FICO boost for EX when I get my screo from PSECU next month
I haven't gotten a scorewtch alert from EQ yet and I can't refresh CK yet.
You would probably see a drop at 0%. I always do.