Credit utilization question

[Anonymous]

I always keep my utilization under 9% but are there more score increases given if it's under a certain threshold? For example, will I get more if it's at 5% or 2%? Thanks in advance

[Mattopotamus]

I think everyone is going to be a litte different, but my sweet spot and what keeps me over 800 is having a 1-3% utilization.  That is with around 130,000 available credit, so letting a balance of $3900 be the highest to post.

[SMikulski49]

---

@Mattopotamus wrote:

I think everyone is going to be a litte different, but my sweet spot and what keeps me over 800 is having a 1-3% utilization.  That is with around 130,000 available credit, so letting a balance of $3900 be the highest to post.

---

I follow what Mattopotamus wrote! 1-3% is the sweet spot to maximise my score, typically I don't pay too much attention to it if I know I am not applying for a loan/card or anything else in the near future, but thats the range I usually stay in.

[NRB525]

OP what are your scores now? 

Any negatives?

[Anonymous]

I'm at 730ish across all 3 with 0 negatives.

[newhis]

Sometime ago I read that someone that after many experiments less than 6% was the highest score.

I think there are many variables to put an exact value.