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I have search but came up empty.
I know of 0-9% with 1-9 reporting counting as one ratio (or bucket)
What about all of the other %s?
100%
90%
75%
etc.
Just trying to guesstimate when I will get a FICO increase.
I'm not sure that bucketing is driven by utilization ratios.
Here's a thread that discusses the issue: