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I paid off a big amoutn of my credit card and my FICO from EX stayed the same (FICO08 from exprerian's site)
Util was 19% now down to 5%. The drop in % of util is being reflected on the EX site but my FICO remained the same. Any explanations?
just be patient. might take a few weeks to show
I would t hink that since the util % already changed, the score would also.
Since 30% of the FICO score is util and FICO likes to see under 10%, i would get a nice jump. I'll wait one more week and see.
Be a little careful there. It's not strictly true to say that 30% of your score is credit card utilization. The 30% category is called Amounts Owed and it contains other factors besides CCU. It is true that a good portion of that 30% is CCU, however. Just not all.