Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007

Re: UTIL went from 101% to 7% and only a 3 pt increase!

pizzadude wrote:

shols44 wrote:

sharriel wrote:

No, I was added as an AU adding 13K to my UTIL.  I was at 101% UTIL but after adding the high CL, it dropped to 7%.


I got it directly from EQ (which I refresh everyday)

Sounds like this a FAKO score. While your real FICO might have gotten a bump (assuming you have no supressing baddies), your individual util is still 101%. Are you over the limit? 



+1.   If this is the Equifax Credit Score then ignore it.    FAKOs often behave in an opposite way from FICO scores.


Regular Contributor
Posts: 110
Registered: ‎04-29-2013

Re: UTIL went from 101% to 7% and only a 3 pt increase!

I only got 1 pt (FICO) from paying off a maxed out card to below 10%. 2 cards with 0 balances, 1 card at 408/500. I am assuming it is the other card still maxed out that is killing my score. Too bad CapOne won't update this month to see if I am right!

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