@uncredited wrote:I sometimes wonder though how the average consumer that does not pay any card before statment ever, always reports the total usage as balance and thus has high util and is probably often all-reporting gets by. Are they crazy? Or are we? Maybe it's best not to get an answer on that....
You've just seen a bit higher point drop due to young file and only a couple of accounts. The average credit consumer has multiple accounts - having student loans, auto loans, mortgages, PLOC's, etc. in addition to an average of 3 revolving accts. Those with impeccable payment history and lack of recent new accounts on a constant basis are going to maintain consistent high scores with little variance when just paying statement balance by due date.
