@Jaetee05I gone from 90% utilization down to 1%. But my TU score has been the same since 20% usage.
If you were at 20% aggregate utilization and took it down below 8.9% aggregate utilization, you'd see a score increase. If you haven't seen the score increase yet, it's because your new (lower) balances haven't yet reported.
If you're saying that you've gone from 90% utilization down to 1% utilization and have not seen a single FICO point increase, again I'd say it's because your balances haven't yet updated... otherwise there's something else going on with your report.
I've been paying down bills in chunks. Over the last 4-5 months my TU score hasn't changed 1 point.
Just curious how about your EXP and EQX? Any change there?
Are your 3 reports identical, or do you see (or not see) something on your TU report that you're seeing on your EX/EQ reports?