Moderator Emeritus
Posts: 32,881
Registered: ‎08-04-2007
Re: Fico Score & Utilization Percentage
[ Edited ]

Probably not, unless FICO saw any card at 100% or more as maxed. If util is listed as a top one or two neg. item on the FICO report, and if someone with 99% has a solid mix of credit (3 or more CCs), then that person probably won't see any gains until the card hits below 50%, and will rapidly see increases below that threshold, especially below 20%-30%.