smoothjk wrote:
This might be a silly question, since lower is naturally better. But I was wondering if there are any utilization percentages at which you see a noticeable score change.
I've often heard that staying under 10% is ideal, so you could argue that 1-9% is the top tier. After that, 10-???
This has been discussed before on other forums on this site. I believe the numbers folks come up with for tiers originally came from a bar graph Fair Isaac published showing how higher utilization resulted in a higher risk of default. People took those numbers as tiers instead of what it was: a convenient breakdown to show risks in a visual format.
Programming wise a curve would be easer and faster to run. It would also be more accurate. People do not behave on tiers, they behave on a curve. Fair Isaac markets accuracy.
Judging from the past few minds will be changed so I'll just leave the above for thought and get back to reading my new book from B&N I bought this afternoon with my new B&N MC 
It's not that old chart, but anecdotal evidence that leads us to believe in the existence of tiers.
But, yes, we can leave it at that this time around. 