@DaveSignal wrote:
I could be wrong, but I don't think that the score boost is specifically from having util at 1-9%. It is actually the combination of having one card show use (you have active accounts) AND you have extremely low utilization. If you have extremely low utilization, but are not showing use (all accounts are at $0), then it appears as though you are not actively using your credit.
An NPSL charge card showing a balance (any balance) and 0% util on your credit cards accomplishes the same goal.
This makes sense, and I think pretty much answers my last question. Thanks.
