Valued Contributor
Posts: 1,253
Registered: ‎07-18-2009
Re: Does FICO reflect PAST utilization?

I've seen reports of scores dropping when no credit is being used (balances all at zero) and the drop increases month after month.


It wouldn't surprise me if they don't also look at historical balances in some way as well. Particularly if they are trending but this is one of the dark corners of FICO scoring that there is little information about.

I have reestablished credit over the last couple years
so my moniker is, well, rather out of date.

WM Discover $1800, WF Plat 12k, Chase Freedom Siggy18k, Amex Plat (60k H/B), Citi AA EWMC 25k