orl2185 wrote:Thank you for the respond folks. My UTI is at 10% on all my CC accounts and loan combined. Haven't been late on all my accounts as well. Recently went 4 points up on EQ Fico score. I see other members get higher points on their scores even though my UTI is far lower.Utilization on revolving accounts is only one factor considered by the score. Mix of credit, length of credit history both factor into scoring. Length of history carrying the most weight. If your utilization is 10% or lower you probably won't see any score increase by decreasing it more.You may just need time for your reports to age. you never mentioned installments or derog info on your file.
orl2185 wrote:Got an installment loan in great standing as I mentioned in prior reply. No delinquency on my report whatsoever. Had accounts set up since 1989, and CC from 1990. Always pay all my accounts on a timely matter. Have personal loan of 28,000 since 1997, have been paying with no bad payment history. Current balance is 1750.56. Will have it paid off by end of October. Also got new CC opened last month with mere 8,000 CL from WAMU. My Scores range from TU 768, EX 792, EQ 785. May need to start using my CCs a bit more though...I thought your had scoring PROBLEMS. With scores like that why are you worried? 850 id a myth in most cases. Got an active mortgage?