topic Lower utility equals 11pt drop? in Understanding FICO® Scoring https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Lower-utility-equals-11pt-drop/m-p/6054717#M170963 <P>I recently paid my balance on my Wayfair card.&nbsp; Obviously, this lowered my overall utilization yet my score dropped 11 points on Experian.&nbsp; Why? I have small balances on other cards so it's not like I have 0% utilization.</P> Tue, 16 Jun 2020 13:24:10 GMT hpotterfan77 2020-06-16T13:24:10Z Lower utility equals 11pt drop? https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Lower-utility-equals-11pt-drop/m-p/6054717#M170963 <P>I recently paid my balance on my Wayfair card.&nbsp; Obviously, this lowered my overall utilization yet my score dropped 11 points on Experian.&nbsp; Why? I have small balances on other cards so it's not like I have 0% utilization.</P> Tue, 16 Jun 2020 13:24:10 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Lower-utility-equals-11pt-drop/m-p/6054717#M170963 hpotterfan77 2020-06-16T13:24:10Z