My Debt Utilization down to 3%, score still unchanged

[Razeus]

Ok, so what gives?  I've been following the "rules" for rebuilding my credit.  I went from a 480 from last September 2011 to a current 651 as of March 1, 2012. I've been paying down debt since about February and now my debts are all paid off.  One card has yet to update so my DU is at 3%, yet my score STILL hasn't gone up since March.  What's the deal? I thought debt utilization was 30% of your score.  Surely paying off $7k and a DU rate of 70%, now down to 3% would have made my score go up.  This is so frustrating.

[thrasher865]

What are you using to track your score?  What is your reported utilization, versus what it was in March?  Is that when you had the 70% reported util?  Everybody's situation is different.

[llecs]

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@thrasher865 wrote:

What are you using to track your score?  What is your reported utilization, versus what it was in March?  Is that when you had the 70% reported util?  Everybody's situation is different.

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+1 and I'll add, do you have any baddies reporting? If you are looking at myFICO reports, is utilization listed as a negative in the pos/neg items on pages 2&3?

[mtrsprt]

Going from 75% utilization down to 7% back and forth, changes my score no more than 3 points......

[GregB]

What are the items listed on your FICO report that are negatively affecting your score?

[Anonymous]

Remember the largest percentage of your score is on time payments.  Every other factor has a smaller impact.