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Regular Contributor
Posts: 231
Registered: ‎03-09-2013
0

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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Epic Contributor
Posts: 22,406
Registered: ‎01-17-2008
0

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: 65
Registered: ‎03-19-2013
0

Re: Util %?

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

 

Thanks!

Epic Contributor
Posts: 22,406
Registered: ‎01-17-2008
0

Re: Util %?

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