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Valued Contributor
Posts: 1,261
Registered: ‎08-30-2013
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Utilization Question

[ Edited ]

My USAA CC has starting reporting on EQ either today or yesterday. Subsequently my score went from 697 to 691 via myFico Scorewatch. But I'm not worried about that b/c my total credit reporting should also have gone from $7500 to $18500--bringing my UTIL from around 6% to around 2% (approx $375 in balances reporting currently) and myFico score should rebound fairly quick if I can keep my total reporting balance right around $400. Is this a correct assumption to make based on this scenario?.

Regular Contributor
Posts: 139
Registered: ‎08-27-2013
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Re: Utilization Question

I believe your assumption is correct, but most likely the fico drop was due to a decrease in your AAoA, which will increase as your new TL ages.

Mega Contributor
Posts: 17,186
Registered: ‎08-08-2011
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Re: Utilization Question


Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $13.5k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $4.85k / Citi DC (WMC) $7.1k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Valued Contributor
Posts: 1,794
Registered: ‎07-01-2010
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Re: Utilization Question

I believe that a given utilization puts you in a particular bucket, and if utilization goes down a bit, but you're still in that bucket, then it won't help you.


I presume this is true for lots of aspects of FICO scoring.  For example, my AAoA is around 6.1 years, and I doubt that getting it up to 6.5 years will do anything for me.


Frequent Contributor
Posts: 257
Registered: ‎08-20-2010
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Re: Utilization Question

user5387 wrote:

I believe that a given utilization puts you in a particular bucket, and if utilization goes down a bit, but you're still in that bucket, then it won't help you.


I don't know, so I'm quoting. "Util doesn't determine buckets. If it did, we would be getting poured in and out of buckets every time another CC updates." "We do know that there are 2 negative and 8 positive buckets."

Epic Contributor
Posts: 22,398
Registered: ‎01-17-2008
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Re: Utilization Question

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