if you had a zero balance overall, then that would have actually lowered your score too.

2% is supposed to be ideal =\

total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758

How about 1% 

From my experience, Fico not usually update your score by the end of the month.

Let said if you paid your bill today on Oct 26. You likely not going to see the change until maybe the first 10days of November.

They calculate all your credit cards utility by the end of the month.

Maybe you would see some change by somewhere in November. 

Hope it help.

---

Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK
Goal Score: 800

Walmart: 10k | Usaa: 4k | BCE: 3k | Amex Green: NSPL | Cap: 2k | Disco: 1.7k | ORchar: 0.4k

Your FICO changes constantly.  If a card reports a balance today, your score will change today.  If another card reports a balance tomorrow, your score will change again tomorrow.

I think you snuck in under the mythical 10% utilization threshold so nothing changed.  

---

sgs10 wrote:

How about 1% 

---

that's the funny thing about Fico 

total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758

thanks for the info guys! I am definitely on top of my score so we will see next month as I will have quite a bit hit BEFORE I pay in full. I really want to see the effect...

started mid 500's. Disputed incorrect items and within a month or two my scores have skyrocketed and continue to do so
EQ: 674 > 689 >695 with my new TLs reporting
TU: 661>780
Experian(or as I call them, the devil) I have no clue, they haven't released my report
Goal=720 across the board--currently searching for the perfect *third* card to maximize my profile and score

Keep it up!  A little balance shouldn't hurt too much.  My scores have stayed the same with my utilization sliding around between 4% and 14% with no effect.  Who knows!!!  Just use what you have responsibly!