Is it normal for a score to drop 85 points for a small increase in utilization?

[zachvisuals]

I have a total credit limit accross all my accounts of close to 20k, this month the balance of just one of those accounts rose by $1200, bringing the utilization of just that account relativley high. But my total utilization still very low. I also opened a new account, an amazon credit card. After this, my score for both transunion and equifax dropped by 85 points, bringing my scores from a 715 and 716 respectivley down to 630 and 632. I have no negative marks, no late payments, anything like that. Is this common? 

[JoeRockhead]

Are you citing Fico scores, or Vantage 3.0... what percentage of the CL is the increased spend on that card?

[zachvisuals]

Vantage. And the one card went up to around 90% while all my others are 0%.

[Thomas_Thumb]

VantageScore reacts more strongy to high utilization levels than Fico. For either model 90% UT is considered a max out condition and merits increased penalty.

A 50 point drop on Fico 8 for a thin file would not be surprising. For either model, utilization is scored as a point in time. Pay down the balance and the score will bounce back when data is pulled for an update.

[GZG]

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@zachvisuals wrote:

Vantage. And the one card went up to around 90% while all my others are 0%.

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that'll do it, just make sure the bill is paid in full before it's due and your score will go back up when it reports as such

[Im-back]

Remember, Vantage is a fake score. Don't worry about the wild swings. 

[FicoMike0]

How about giving us the fico8 as well? Might be a good data point.

[zachvisuals]

Fico holding steady at 710, didn't move.

[Thomas_Thumb]

Wow! No change in Fico 8.

If I reported 90% UT on any single card all my Fico scores would drop a lot.

Just taking highest card UT from 15% to 54% and increasing aggregate from 3% to 13% dropped my Fico 8s: EQ 4, TU 15 and EX 7 points.

[FicoMike0]

I suspect the fico score hasn't updated. None of my fico sources update very often. It's hard to imagine maxing util on an account would have zero effect.