Established Contributor
Posts: 905
Registered: ‎07-25-2008


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

Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007

Re: Util

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

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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