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Util across one card or all?

Frequent Contributor

Util across one card or all?

Does FICO count util on each card or overall? I have two with a total 1k limit and plan on only leaving a $19 balance on one.. My high balance one will be paid off Smiley Happy

Starting Score: 492 02/12
Current Score: TU: 668 (FICO), EQ: 668 (FICO). EX: 651(lender pull 9/27/12)
Goal Score: 660



3 REPLIES
Valued Contributor

Re: Util across one card or all?

Wish it was that simple.  Total util is key factor.   However individual cards util figure into score.  Also small ding for each account with any balance.

               LIMITS IN CARD DESCRIPTIONS
Frequent Contributor

Re: Util across one card or all?

So I should be fine with 19/500 and 0/500 then..

Starting Score: 492 02/12
Current Score: TU: 668 (FICO), EQ: 668 (FICO). EX: 651(lender pull 9/27/12)
Goal Score: 660



Valued Contributor

Re: Util across one card or all?

Yeah.  Ideal is 1-9% of both card and total limit utilization and rest of cards reporting 0 balance.

               LIMITS IN CARD DESCRIPTIONS