https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/AU-account-balance-effect-on-score/m-p/5756080#M161180 <P>Not necessarily.&nbsp; The different bureaus can and do weigh scoring ingredients in different ways.&nbsp; Whether or not that's the case with your AU account remains to be seen.&nbsp; It's also not out of the question that these things can be profile-specific to some degree as well, so what one may experience on their file may not be indicative of what you'd see on yours.&nbsp; Your best bet is to wait and see what actually happens, then you've learned something about your file/scores and will know what to expect going foward related to utilization changes on that account across all 3B.</P> Fri, 27 Sep 2019 02:37:13 GMT Anonymous 2019-09-27T02:37:13Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/AU-account-balance-effect-on-score/m-p/5755210#M161145 Hello there-<BR /><BR />I am an AU on my in-laws BOA card account- it’s 24 yrs old so the age of the account helps my score. They typically run a small balance. This month it went from 8 &gt;&gt;&gt; 10 % utilization, and I lost three points with Experian. Do all three CRAs score The effect of AU balances the same?<BR /><BR />Thanks in advance. Thu, 26 Sep 2019 14:30:42 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/AU-account-balance-effect-on-score/m-p/5755210#M161145 Anonymous 2019-09-26T14:30:42Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/AU-account-balance-effect-on-score/m-p/5756080#M161180 <P>Not necessarily.&nbsp; The different bureaus can and do weigh scoring ingredients in different ways.&nbsp; Whether or not that's the case with your AU account remains to be seen.&nbsp; It's also not out of the question that these things can be profile-specific to some degree as well, so what one may experience on their file may not be indicative of what you'd see on yours.&nbsp; Your best bet is to wait and see what actually happens, then you've learned something about your file/scores and will know what to expect going foward related to utilization changes on that account across all 3B.</P> Fri, 27 Sep 2019 02:37:13 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/AU-account-balance-effect-on-score/m-p/5756080#M161180 Anonymous 2019-09-27T02:37:13Z