@Barneygirl wrote:Okay folks, I am completely baffled!!! I have three open/active CCs.... all three have had less than a 50% utilization on each for the last few months.
I paid all balances down to 10%...... CC#1 raised my score (via ScoreWatch) 3 pts. CC#2 raised my score (via ScoreWatch) 3 pts....... and when CC#3's balance decrease hit, it actually LOWERED my score by 2pts!! What the heck!!!!!
I know the total utilization goal is 9% or less for all cards, and I'm getting there, but was surprised when the same action on all three cards provided different results!!
Had a similar thing happened to me today. Paid down one CC last month before statement cut from 80% utilization to 7% and my EX score dropped 6 points on myFICO. Crazy game 