I will never understand Fico Scores lol

[chrisw1968uk]

Hi All

I have been keeping about a 14% util of my total available CL on one card - with just the one card reporting.

I had some unexpected bills come up so i brought out 2 of my other cards and increased my util to about 26% - I know that this is only a temporary thing and i'm not looking to get any more credit at the moment anyway - so no harm done

According to Citi, Chase and Discover, my ficos have GONE UP by 9-14 points since carrying this extra balance, weird

[Anonymous]

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@chrisw1968uk wrote:

Hi All

I have been keeping about a 14% util of my total available CL on one card - with just the one card reporting.

I had some unexpected bills come up so i brought out 2 of my other cards and increased my util to about 26% - I know that this is only a temporary thing and i'm not looking to get any more credit at the moment anyway - so no harm done

According to Citi, Chase and Discover, my ficos have GONE UP by 9-14 points since carrying this extra balance, weird

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I'm right there with you! Any time my cards show a higher utilization my scores go up. The Things that make you go hmmmm and scratch your chin

[Anonymous]

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@chrisw1968uk wrote:

Hi All

I have been keeping about a 14% util of my total available CL on one card - with just the one card reporting.

I had some unexpected bills come up so i brought out 2 of my other cards and increased my util to about 26% - I know that this is only a temporary thing and i'm not looking to get any more credit at the moment anyway - so no harm done

According to Citi, Chase and Discover, my ficos have GONE UP by 9-14 points since carrying this extra balance, weird

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Between 10-29%, your scores aren't affected. Your scores went up because of positive history building over time.

[jdxprs1]

My guess is that the op hadnt used those cards in so long that the scoring models might have stopped counting them. showing useage put them back in the scoring mix.