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@AnonymousI 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.
@Anonymous wrote:
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?