New FICO SW Model - odd behavior.

[bobebob]

I got my initial score from the new model about a week ago.  I got an initial bump of 7pts.

I got a notification of a SW change and it went down 11pts.  

Whats wierd is the only thing that changed was two revolving lines going DOWN.  One went to 0.  The other went down slightly to $450. Usage <1%.

Under the old scoring method, my score should have gone up.  Could it be that the new scoring model "wants" to see more than one revolver report a balance to show use?

I didn't pull a full report.  I could have had an old account fall off that lowered my AAOA or something, but I don't think so.

Anyone else seen anything similar?

[user5387]

There have been repeated reports on this forum that the optimum utilization varies with the individual, and thus lower is not always better, at least when you're bouncing around with low figures like 3%.

[GFer]

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@user5387 wrote:

There have been repeated reports on this forum that the optimum utilization varies with the individual, and thus lower is not always better, at least when you're bouncing around with low figures like 3%.

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@Exactly. Everyone's score 'sweet spot' is different. For instance, if my utilization reports @ less than 3% I take a 10-14 point hit. If I keep my utilization between 3.5-4.5 %, my score is best.

[EW800]

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@GFer wrote:

@Exactly. Everyone's score 'sweet spot' is different. For instance, if my utilization reports @ less than 3% I take a 10-14 point hit. If I keep my utilization between 3.5-4.5 %, my score is best.

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This is very interesting.  Thanks for sharing.  I have been in the 3-4% range, however when my profiles update in the next couple of weeks with some recent payments, I am going to be in the 1.5% to 2% range.  It will be interesting to see if this failrly small drop in UTIL have have any impact on my socres.  I am hoping for a bit of boost.  

[vanillabean]

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@GFer wrote:

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@user5387 wrote:

There have been repeated reports on this forum that the optimum utilization varies with the individual, and thus lower is not always better, at least when you're bouncing around with low figures like 3%.

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@Exactly. Everyone's score 'sweet spot' is different. For instance, if my utilization reports @ less than 3% I take a 10-14 point hit. If I keep my utilization between 3.5-4.5 %, my score is best.

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I can only assume we're still talking about EQ 08?