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Senior Contributor
Posts: 4,831
Registered: ‎04-20-2007
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Re: FICO Scores and Utilization - Where are the cutoff points and how much do they matter?



Pangloss1980 wrote:
An additional question: Say you have 10 cards each with 10k limits. If you stay at 0% on 5 cards but go to 80% on 5, does that hurt your score more or less than going to 40% on all 10 cards? 40% util overall, but differently distributed, and in a way that affects the profitability of the BT game. (Not all cards are created equal, etc.)



All things being equal you are better off spreading it around. Who knows how many points though.
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Posts: 16,374
Registered: ‎03-12-2007
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Re: FICO Scores and Utilization - Where are the cutoff points and how much do they matter?



MidnightVoice wrote:
You are correct - EX lists monthly balances for the last two years and credit limits and credit limit changes.  From that is is possible to calculate historical utilization patterns.
 
MY CSC/EQ does not seem as informative


Which Fako site shows this info? I can't find it! I use TC and CreditSecure.
Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Super Contributor
Posts: 8,173
Registered: ‎03-25-2007
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Re: FICO Scores and Utilization - Where are the cutoff points and how much do they matter?



fused111 wrote:


MidnightVoice wrote:
You are correct - EX lists monthly balances for the last two years and credit limits and credit limit changes.  From that is is possible to calculate historical utilization patterns.
 
MY CSC/EQ does not seem as informative


Which Fako site shows this info? I can't find it! I use TC and CreditSecure.



It is from a REAL EX CR
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Moderator Emeritus
Posts: 16,374
Registered: ‎03-12-2007
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Re: FICO Scores and Utilization - Where are the cutoff points and how much do they matter?



MidnightVoice wrote:


fused111 wrote:


MidnightVoice wrote:
You are correct - EX lists monthly balances for the last two years and credit limits and credit limit changes.  From that is is possible to calculate historical utilization patterns.
 
MY CSC/EQ does not seem as informative


Which Fako site shows this info? I can't find it! I use TC and CreditSecure.



It is from a REAL EX CR

Where do I find this info?
Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Super Contributor
Posts: 8,173
Registered: ‎03-25-2007
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Re: FICO Scores and Utilization - Where are the cutoff points and how much do they matter?

From a Credit Report from Experian. Dispute something via TC and get a free one :smileyvery-happy:
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Moderator Emeritus
Posts: 16,374
Registered: ‎03-12-2007
0

Re: FICO Scores and Utilization - Where are the cutoff points and how much do they matter?



MidnightVoice wrote:
You are correct - EX lists monthly balances for the last two years and credit limits and credit limit changes.  From that is is possible to calculate historical utilization patterns.
 
MY CSC/EQ does not seem as informative


I must be incredibly stupid! I have never seen what you are describing here.
Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
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