Regular Contributor
Posts: 216
Registered: ‎03-09-2013

Util %?

[ Edited ]

How long term is the effect of high util? If I'm high this month and lose points, would I gain them back again next month by paying off the balance?


*is there any long term effect of the % being up and down from month to month?

Starting Score: FAKOs EQ 537 TU 497 EX 517
Current Score 7/11/13: FICOs EQ 650 TU 659 EX 655
Goal Score: 675 Who am I kidding? Goal Score: 750+ :smileyhappy:

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Posts: 22,408
Registered: ‎01-17-2008

Re: Util %?

No long term affect at all.  You are scored for what is reported.


If you are 90% this month that is what you are scored on.  If you are 7% next month, that is what you are scored on.

New Contributor
Posts: 60
Registered: ‎03-19-2013

Re: Util %?

I only have one CC should it report 0% or less than 9%?



Starting Score: 558 EQ | TU 612
Current Score 7/02/13: 631 EQ | TU 672 | EX 697 Goal Score: 700

NFCU CC: 3.5K goRewards MC | 1k CashRewards + NavCheck: 500 7/2/13
Posts: 22,408
Registered: ‎01-17-2008

Re: Util %?

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