Balance goes up - SW says up 7 points

[Anonymous]

I thought that if a balance would go up (in this case , $45, why I don't know I have to check my statement), my score went up 7 points? I thought the balance increase raises my util so it would go down or stay the same.

I'm not complaining, I will take any points I can get, but I don't get it.

[llecs]

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colleenm wrote:

I thought that if a balance would go up (in this case , $45, why I don't know I have to check my statement), my score went up 7 points? I thought the balance increase raises my util so it would go down or stay the same.

I'm not complaining, I will take any points I can get, but I don't get it.

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I've found that SW doesn't show the whole picture, only parts during an alert. You probably have other things going on in your report that helped your score (e.g. lower util%, a new CLI, change in account classification, improved avg. age, baddie anniversary, etc.).