Utilization Ratio

[lhcole77]

There has been anecdotal evidence that repeated/long term high UTL may rebucket an individual though.

I remember a few posts from 2013-2014 ish pertaining to this in the Understanding FICO Scoring arena.

[sarge12]

Dont feel bad if credit score is stuck...so is mine!!!

[Anonymous]

I feel bad! T_T haha. Gotta catch up

[sarge12]

But they are stuck there...never move, looks like straight lines!!!

[Burned2manybridgesB4]

Didn't see it mentioned, but beyond the individual vs group utilization, keep in mind the number of cards showing a balance hits you as well. For example, I just took a 2 point hit for going from 2 cards with balance to 4.