09-06-2013 12:04 AM
09-06-2013 06:54 AM - edited 09-06-2013 06:55 AM
FICO has no memory and your score is based on what is on your report at the time it is pulled.
If you have 90% utilization this month you are scored based on that. If you have 14% for the next 6 months, you are scored on that.
FICO does not score your payments, only if you are late.
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