topic Re: Single uti vs total it i? in Understanding FICO® Scoring

Single uti vs total it i?

amckee — Thu, 11 Feb 2021 17:13:14 GMT

I'm totaled around 48% on all cards 5450 total and next update i will cross below 30% total how much will this effect me !?

also. When dropping some to zero do i let them report zero or keep 5-10$ reporting

how many points can i get from crossing the 30% threshold

Re: Single uti vs total it i?

SouthJamaica — Thu, 11 Feb 2021 20:54:59 GMT

@amckee wrote:
I'm totaled around 48% on all cards 5450 total and next update i will cross below 30% total how much will this effect me !?

also. When dropping some to zero do i let them report zero or keep 5-10$ reporting

how many points can i get from crossing the 30% threshold

No one can answer your 2nd question. It's not even clear that 30% is a threshold.

As to your first question, yes, when dropping to zero you should let one card report a small balance.

Re: Single uti vs total it i?

Anonymous — Fri, 12 Feb 2021 02:10:47 GMT

Different profiles can gain and lose different amounts of points for the same changes. Me best guess for an average amount of points gained for reaching/crossing 30% would be maybe 15-20 on F8.

Re: Single uti vs total it i?

Anonymous — Mon, 15 Feb 2021 05:46:19 GMT

@amckee wrote:
I'm totaled around 48% on all cards 5450 total and next update i will cross below 30% total how much will this effect me !?

also. When dropping some to zero do i let them report zero or keep 5-10$ reporting

how many points can i get from crossing the 30% threshold

@amckee ideally you want as many reporting zero as possible but you always want at least one reporting a small balance. 15 points could be possible for crossing the 30% aggregate threshold but it's really profile specific and can vary.