Credit Card Center Advertiser Disclosure

Posts: 92
Registered: ‎03-17-2013
0 Kudos

Re: Score impact of going from 89% util to <10%

[ Edited ]

Crossing that 30% threshold resulted in a fairly large score jump.  We will be crossing the 30% boundary as soon as the report from the CU hits the CRAs ... your boost gives me hope for my mortgage app.

Frequent Contributor
Posts: 355
Registered: ‎04-21-2012
0 Kudos

Re: Score impact of going from 89% util to <10%

[ Edited ]

ptr2593 wrote:

Only now reading this thread but it's incredible how quickly your TU/EQ went up just by lowering your UTL.


That would be only part of the story.  As his accounts aged his AAoA would increase.  His inquires would also begin dropping off.  The increase in score is due to multiple factors not just the reduction in utilization.  I don't remember the baddies but if there were a few of those, they also would have aged and possbily fallen off the calculations.

But no doubt, pay off the cards had a huge impact on the overall score!


Doh!  I thought the time line of the post was over a span of 1 year.  I reread and it was a timespane of only 1 month!  So yes almost all of the increase is due to paying things off.

Starting Score: 732 October 2007; Current Score: EQ 835; TU 806, May 2017;
Oldest Reporting Account: 15.3 years; EQ AAoA: 7.2 years; typical credit utilization 1.2% typical single card utilization 8.3%

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.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

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.