New Member
Posts: 1
Registered: ‎12-01-2012
Does FICO reflect PAST utilization?

This is something that seems pretty obvious to me, but I've never found an answer for.


Say person A has an average utilization of 90% over the past 5 years, but they just decreased it to zero by borrowing cash from a friend. Person B has always had a utilization of zero percent. Everything else is equal.  The question is: who currently has a better FICO score?