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Util

Established Contributor

Util

How do I figure my util?
 
If that is lower will scores increase?
 
Thanks

Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards
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Moderator Emeritus

Re: Util



hoping2rebuild wrote:
How do I figure my util?
 
If that is lower will scores increase?
 
Thanks


Total CC balance divided by total CL. Some CC COs could factor into utilization as well, YMMV.
 
Per score change, what mostly works for myself is if I have 3 or more CCs reporting, then for every 1% I reduce my CL down to 10% of the total utilization, then my score increases by 1 point. So, if I was at 65% and reduce it to 6%, I can guesstimate my score to increase by 55 points.
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