@RobertEG wrote:Fair Isaac posts have consistently shown that %uitl is almost a linear function. Each of their risk bands show almost s direct linear digresssion. So, just take your percent util, multiple that by the max %util points for revolving of around 213 (30%, or 255 points, goes to overall % util, with 213 to revolving, and 42 to installment) and you will have a very good estimate of what you are losing, and what can be gained by decreasing % revolv util. at any given percentage. So if you are at 20%RevolvUtil, you will lose lose 43 out of the max 213 pts revolv util. It is close. I have modeled it for a long, long time. It works. but of course, bands can shift it.
Not to shabby.
I found it easier to just subtract 12 points for every 10% of UTL used. But either way they both work for an estimate.
