Moderator Emeritus
llecs
Posts: 32,869
Registered: ‎08-04-2007
Re: Does FICO reflect PAST utilization?

With everything else being equal, there would be no difference between the two persons. Both have 0% util.

 

FICO is a snapshot in time and only scores based on what is on the report at that time. FICO won't know that you (or I) have or had 100% util at one point, or if I had a dozen or so CAs reporting if they are no longer there. It lives in the moment.