+10 pts with utilization increase??!

[Anonymous]

I'm a bit confused, I had around 4% for utilization, and last week I forgot to pay one of my balances before the statement closed, it was around 1k on a 3k limit card. I pay it it full and sometimes a leave a small amount in there to report. Well Transunion and Experian went up by 10 pts with the balance increase alert, EQ didn't change.

Im confused on why score went up with the balance increase.. I'm no expert so I apologize if this is a dumb question.

thank you

[DollyLama]

Hmm...following

Did you have any credit inquiries due to fall off?

Did you hit a threshold% on 1 individual installment account reporting balance?

Did your most newest few cards age over 12 months?

Any derogs age off or get deleted?

[rmduhon]

It could be that this particular UTI is your 'sweet' spot. I wouldn't think so but each report is different so it is possible.

[SouthJamaica]

---

@Anonymous wrote:

I'm a bit confused, I had around 4% for utilization, and last week I forgot to pay one of my balances before the statement closed, it was around 1k on a 3k limit card. I pay it it full and sometimes a leave a small amount in there to report. Well Transunion and Experian went up by 10 pts with the balance increase alert, EQ didn't change.

Im confused on why score went up with the balance increase.. I'm no expert so I apologize if this is a dumb question.

thank you

---

It's very confusing, but the MyFICO alerts don't provide reasons for a score change.
There are certain events, such as a balance change, which trigger MyFICO alerts.
If there happens to be any difference between your present score at that particular bureau,
and the previous score reported to you from that bureau, the score change is tacked on to the alert.
There is not necessarily any connection at all between the score change and the alert substance.

[Anonymous]

OP, not that I think it matters relative to your question and your score increase, but you said your aggregate utilization was 4%.  Then you let a single card report 34% utilization.  When that happened, what did your aggregate utilization rise to?