topic Where can I find the utilization scoring thresholds? in Understanding FICO® Scoring

Where can I find the utilization scoring thresholds?

kxkxkxx — Sat, 22 Aug 2020 15:26:50 GMT

Been doing a search in here, but cannot find.

I know 2 of them:

8.9%
28.9 %

Can you please tell me the others?

thanks!

Re: Where can I find the utilization scoring thresholds?

AZ-Jeff — Sat, 22 Aug 2020 17:38:40 GMT

YMMV but my spreadsheet has the percentages as:

88.90

68.90

48.90

29.90

8.9

Re: Where can I find the utilization scoring thresholds?

SouthJamaica — Sat, 22 Aug 2020 17:48:15 GMT

@kxkxkxx wrote:
Been doing a search in here, but cannot find.

I know 2 of them:

8.9%
28.9 %
Can you please tell me the others?
thanks!

I don't think it's as clearly defined as some would have you believe, especially in the area of revolving utilization. In my experience anything over 3% costs me points, and the higher it goes the greater the point loss.

For individual card utilization it is clear that 29% is an important threshold.

Re: Where can I find the utilization scoring thresholds?

kxkxkxx — Sat, 22 Aug 2020 18:37:25 GMT

thank you!!

Re: Where can I find the utilization scoring thresholds?

Anonymous — Wed, 14 Apr 2021 05:38:52 GMT

Further optimization is at this link: General Scoring Primer and Version 8 Master Thread

Re: Where can I find the utilization scoring thresholds?

Anonymous — Mon, 16 Nov 2020 20:10:25 GMT

Do you offer your spreadsheet as a template for others to use?

@AZ-Jeff wrote:
YMMV but my spreadsheet has the percentages as:
88.90
68.90
48.90
29.90
8.9

Re: Where can I find the utilization scoring thresholds?

Anonymous — Wed, 02 Dec 2020 05:41:11 GMT

@Anonymous wrote:
Do you offer your spreadsheet as a template for others to use?

@AZ-Jeff wrote:
YMMV but my spreadsheet has the percentages as:
88.90
68.90
48.90
29.90
8.9

@Anonymous there is a workbook template linked at the top of my signature for your convenience courtesy of @ccquest .

Re: Where can I find the utilization scoring thresholds?

Anonymous — Wed, 02 Dec 2020 17:36:25 GMT

I think the most important takeaway for anyone regarding utilization thresholds is that while the thresholds may be known, what isn't known is how each of them impacts every profile. One person may have a single card cross from 45% to 55% utilization and see no score drop at all, where another person may cross that same threshold and see a 10 point drop.