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user5387
Posts: 1,794
Registered: ‎07-01-2010
Re: Utilization Question

I believe that a given utilization puts you in a particular bucket, and if utilization goes down a bit, but you're still in that bucket, then it won't help you.

 

I presume this is true for lots of aspects of FICO scoring.  For example, my AAoA is around 6.1 years, and I doubt that getting it up to 6.5 years will do anything for me.