credit card utilization

[Anonymous]

I think it depends on your uti before hand.  If you had low uti but added purchases increasing you over all uti, tat would explain it.  I was totally expecting to get dinged for the BT but 1.99 versus a short-term fico decrease was worth it.

Because it was a low limit card, the card I BTd it from was only at 20%. Really thought I would get kicked for that one

Message Edited by Brammy on 11-18-2007 07:26 PM

[fused]

This is very strange! My overall util was around 6-7% but one card reported about 19% and I got hit. Now I'm one confused mod! HELP!!!!

[fused]

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dnm45227 wrote:

can ddd lock this thread!

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better we don't go there

Message Edited by fused on 11-18-2007 02:29 PM

[Anonymous]

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fused wrote:

This is very strange! My overall util was around 6-7% but one card reported about 19% and I got hit. Now I'm one confused mod! HELP!!!!

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LOL!!!  What did the 19% on the one card take your total uti to?  If it surpasses 7 you get a hit too.  At least accorcing to the FICO thing I got.

Think you may have just fallen out of the FICO 'High Achievers' bucket over 7%

Message Edited by Brammy on 11-18-2007 07:36 PM

[fused]

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Brammy wrote:

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fused wrote:

This is very strange! My overall util was around 6-7% but one card reported about 19% and I got hit. Now I'm one confused mod! HELP!!!!

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LOL!!!  What did the 19% on the one card take your total uti to?  If it surpasses 7 you get a hit too.  At least accorcing to the FICO thing I got.

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My overall util was around 6-7% but one card reported about 19% and I got hit. I had (have) large lines with tiny, tiny balances while another one was reporting 19% after I bought a laptop several months ago. Not sure if total util was 6 or 7%. Mine sharing your info? Please! 

[haulingthescoreup]

Time for my OT --congrats to dnm45227 whose ducky has now quacked over 1000 times!

[Anonymous]

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haulingthescoreup wrote:
Time for my OT --congrats to dnm45227 whose ducky has now quacked over 1000 times!

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ducky quaked 1000 times (too funny), didn't even notice.

[Anonymous]

YAY!!!! Rubber Ducky!!!!! But wouldn't that be Squeaked 1000 times?

[Anonymous]

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fused wrote:

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Brammy wrote:

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fused wrote:

This is very strange! My overall util was around 6-7% but one card reported about 19% and I got hit. Now I'm one confused mod! HELP!!!!

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LOL!!!  What did the 19% on the one card take your total uti to?  If it surpasses 7 you get a hit too.  At least accorcing to the FICO thing I got.

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My overall util was around 6-7% but one card reported about 19% and I got hit. I had (have) large lines with tiny, tiny balances while another one was reporting 19% after I bought a laptop several months ago. Not sure if total util was 6 or 7%. Mine sharing your info? Please! 

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According to Suze, FICO high acheivers have an average of 7% uti.  If that little increase put you over 7, that may explain it.

Remember FICO scoring is Fluid. Only a comparison of the comsumers in the database. What was 1-9% is most likely 1-7% based on high achievers for optimum score

Message Edited by Brammy on 11-18-2007 07:49 PM

[fused]

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Brammy wrote:

According to Suze, FICO high acheivers have an average of 7% uti.  If that little increase put you over 7, that may explain it.

Remember FICO scoring is Fluid. Only a comparison of the comsumers in the database. What was 1-9% is most likely 1-7% based on high achievers for optimum score

Message Edited by Brammy on 11-18-2007 07:49 PM

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I didn't know Suzie new much about credit.