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Regular Contributor
Posts: 157
Registered: ‎09-02-2011
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UTL down and FAKO up

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!!!!!!!Cat LOL

3/07/12 EQ 600 10/02/12 EQ 688
08/13/12 TU(walmart) 653
09/12/12 EX(plus) 655
Super Contributor
Posts: 5,815
Registered: ‎10-06-2007
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Re: UTL down and FAKO up

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.

10/17/2017 FICO: EQ 829 TU 830 EX 826
Frequent Contributor
Posts: 342
Registered: ‎02-10-2012
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Re: UTL down and FAKO up

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 Smiley Happy

Starting Score: EQ = 550; TU = 491(2/10/12)
Current Score: EQ = 669; TU = 674(6/20/14)
Goal Score: 700+

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Valued Contributor
Posts: 2,457
Registered: ‎09-16-2011
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Re: UTL down and FAKO up

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. 



Cards: Chase Southwest 20k & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k

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