cancel
Showing results for 
Search instead for 
Did you mean: 

Plus score boost from EX

tag
CS800
Super Contributor

Plus score boost from EX

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




Message 1 of 6
5 REPLIES 5
Shogun
Moderator Emeritus

Re: Plus score boost from EX


@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%.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 6
DaBears
Senior Contributor

Re: Plus score boost from EX

Message 3 of 6
CS800
Super Contributor

Re: Plus score boost from EX


@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%

 

 




Message 4 of 6
CS800
Super Contributor

Re: Plus score boost from EX


@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 Smiley Happy

 

I haven't gotten a scorewtch alert from EQ yet and I can't refresh CK yet.




Message 5 of 6
Shogun
Moderator Emeritus

Re: Plus score boost from EX

You would probably see a drop at 0%.  I always do.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 6 of 6
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.