Credit Cards Center Credit cards from our partners
Regular Contributor
Posts: 197
Registered: ‎07-26-2012

Isn't it weird?

My utilization decreased by 16% (from 29% to 13%) but my score only increased by 2 points (from 638 to 640). Isn't it weird?


I've never observed such phenomenon with my FICO score in the past. Here's how my profile look like:


No. of CC: 4

AAoA: 8 months

Oldest account: 1 year

Inquiries: 19


Has anyone ever noticed the above happening with their FICO in the past?

Walmart Discover $10,000... Chase SW $8,500... Freedom $7,000... CSP $6,000... Amex Delta $3,000... Amex BCP $2,000... Local CU $1,500...
Moderator Emeritus
Posts: 15,111
Registered: ‎12-30-2011

Re: Isn't it weird?

[ Edited ]

I'm in a similar stage of credit building/rebuilding as you, and even larger fluctuations in my utilization numbers have produced similar marginal gains (and losses).

Utilization affects individuals differently, in our cases just not that much and 29% is not a horrifying number to begin with. You may get another bump under 10% but this is fine tuning one's FICO.

Starting Score: EQ 04 561, TU 98 567, EX 98 599 (12/30/11)
Current Score: EQ 04 693, EQ 8 717, TU 8 732, EX 8 740 (11/01/16)
Goal Score: 700 on EQ 04 (01/01/17)

Take the myFICO Fitness Challenge
Valued Contributor
Posts: 1,993
Registered: ‎04-07-2009

Re: Isn't it weird?

Question was your credit utiliization listed in four of the four reasons on your FICO score.  The scre reasons are listed in the order of imact on the score.

Equifax My FICO score 815 5/28/2012, 818 on 7/28/2014 . Average of Accounts 12 years and no Installment accounts. MyFICO TU 810 6/26/2012 809 4/21/2013 MyFICO XPN -805. 2/26/2014 Discover TU FICO 813 App free since 9/2011

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.