https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Does-the-timing-matter/m-p/2055153#M70893 <P>There is no exact answer to that question.because there other factors to be considered.</P> Fri, 12 Apr 2013 01:41:52 GMT AndySoCal 2013-04-12T01:41:52Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Does-the-timing-matter/m-p/2052951#M70885 In calculating FICO score, does the timing matter? Consider these 2 scenarios:<BR /><BR />1) Currently I carry a balance of $5,000 &amp; my utilization ratio is 70%. Every month I pay the minimum balance &amp; my utilization after 2 years is 60%. At that time, I pay off almost the entire balance &amp; bring my utilization down to 2%.<BR /><BR /><BR />2) Currently I carry a balance of $5,000 &amp; my utilization ratio is 70%. I paid off almost the entire balance today &amp; bring my util down to 2% today. I keep my util at 2% for 2 years.<BR /><BR />After 2 years, will my FICO be the same? Assume all other factors stay the same i.e no impact of inquiries, no payment delay etc.<BR /><BR />P.S: This question is very important for me so please answer only if you're sure. Thanks! Thu, 11 Apr 2013 15:32:19 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Does-the-timing-matter/m-p/2052951#M70885 Anonymous 2013-04-11T15:32:19Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Does-the-timing-matter/m-p/2055153#M70893 <P>There is no exact answer to that question.because there other factors to be considered.</P> Fri, 12 Apr 2013 01:41:52 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Does-the-timing-matter/m-p/2055153#M70893 AndySoCal 2013-04-12T01:41:52Z