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Just wanted to put this out there for general information;
I have been playing around with percentages of UTL, I went from 3% to 7% and FICO dropped 3 points.
Did you have a hard pull show up on your report? 3pts sounds more like a pull than a slight bump in utilization.
No....no inquiries. Just the increase of UTL.
Your utilization is a YMMV. Some get the highest score at 1% where others get it at 9%.
I agree....I am going to try 1% next month.
right now, a single card @ 4.75% utilization(and a ~0.89% overall utilization), gives me a lower score than absolutely no balances reporting on anything by 8 points.