UTL down and FAKO up

[Anonymous]

finally got an updated score today on CK with an increase of 12 points on the transrisk and 38 on the vantage!!. only FAKOs I know, but I consider it practice for when I pull a new FICO score. They are still showing that one of my balances is higher than it is, so more jumps to come when that card reports!! So I am practicing my happy dance for the real thing.  If you do this right, it just keeps getting better!!!!!!!

[marty56]

Be careful. A change in your FAKO scores doesn't mean your will have a change in your FICO score.  Even the change direction could be oposite.

[Lois5669]

While it is true the FAKO doesn't always reflect FICO, if you got your util down, your FICO will go up if it changes. So, keep practicing that dance

[jamesdwi]

FAKO's favorable UTL percentage  is easier to get than FICO, accordning to Credit Karma FAKO UTL of less than 20% is an "A" in there book where myfico says FICO likes 9% or less, My FAKO score increased slowly as my UTL went from 19% to 13% my  FICO score stayed the same during the same time period, I am not expecting a big leap in my FICO score untill I am finally reporting 9% UTL and I may not even get it then since I will have balances on 2-3 cards at the time that happens.