https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/My-Debt-Utilization-down-to-3-score-still-unchanged/m-p/1417614#M63659 <BLOCKQUOTE><HR />@Anonymous wrote:<BR /><P>What are you using to track your score? &nbsp;What is your reported utilization, versus what it was in March? &nbsp;Is that when you had the 70% reported util? &nbsp;Everybody's situation is different.</P><HR /></BLOCKQUOTE><P>+1 and I'll add, do you have any baddies reporting? If you are looking at myFICO reports, is utilization listed as a negative in the pos/neg items on pages 2&amp;3?</P> Fri, 25 May 2012 14:32:21 GMT llecs 2012-05-25T14:32:21Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/My-Debt-Utilization-down-to-3-score-still-unchanged/m-p/1417442#M63657 <P>Ok, so what gives? &nbsp;I've been following the "rules" for rebuilding my credit. &nbsp;I went from a 480 from last September 2011 to a current 651 as of March 1, 2012. I've been paying down debt since about February and now my debts are all paid off. &nbsp;One card has yet to update so my DU is at 3%, yet my score STILL hasn't gone up since March. &nbsp;What's the deal? I thought debt utilization was 30% of your score. &nbsp;Surely paying off $7k and a DU rate of 70%, now down to 3% would have made my score go up. &nbsp;This is so frustrating.</P> Fri, 25 May 2012 11:40:28 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/My-Debt-Utilization-down-to-3-score-still-unchanged/m-p/1417442#M63657 Razeus 2012-05-25T11:40:28Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/My-Debt-Utilization-down-to-3-score-still-unchanged/m-p/1417574#M63658 <P>What are you using to track your score? &nbsp;What is your reported utilization, versus what it was in March? &nbsp;Is that when you had the 70% reported util? &nbsp;Everybody's situation is different.</P> Fri, 25 May 2012 13:52:47 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/My-Debt-Utilization-down-to-3-score-still-unchanged/m-p/1417574#M63658 Anonymous 2012-05-25T13:52:47Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/My-Debt-Utilization-down-to-3-score-still-unchanged/m-p/1417614#M63659 <BLOCKQUOTE><HR />@Anonymous wrote:<BR /><P>What are you using to track your score? &nbsp;What is your reported utilization, versus what it was in March? &nbsp;Is that when you had the 70% reported util? &nbsp;Everybody's situation is different.</P><HR /></BLOCKQUOTE><P>+1 and I'll add, do you have any baddies reporting? If you are looking at myFICO reports, is utilization listed as a negative in the pos/neg items on pages 2&amp;3?</P> Fri, 25 May 2012 14:32:21 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/My-Debt-Utilization-down-to-3-score-still-unchanged/m-p/1417614#M63659 llecs 2012-05-25T14:32:21Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/My-Debt-Utilization-down-to-3-score-still-unchanged/m-p/1420080#M63721 <P>Going from 75% utilization down to 7% back and forth, changes my score no more than 3 points......</P> Sun, 27 May 2012 08:45:25 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/My-Debt-Utilization-down-to-3-score-still-unchanged/m-p/1420080#M63721 mtrsprt 2012-05-27T08:45:25Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/My-Debt-Utilization-down-to-3-score-still-unchanged/m-p/1420280#M63723 <P>What are the items listed on your FICO report that are negatively affecting your score?</P> Sun, 27 May 2012 14:18:37 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/My-Debt-Utilization-down-to-3-score-still-unchanged/m-p/1420280#M63723 GregB 2012-05-27T14:18:37Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/My-Debt-Utilization-down-to-3-score-still-unchanged/m-p/1420506#M63726 <P>Remember the largest percentage of your score is on time payments.&nbsp; Every other factor has a smaller impact.</P> Sun, 27 May 2012 16:58:16 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/My-Debt-Utilization-down-to-3-score-still-unchanged/m-p/1420506#M63726 Anonymous 2012-05-27T16:58:16Z