@Aarvard wrote:I read several posts on this forum and it seems that having 0-9% util is optimal for your credit scores, but in my case I think it's different. When I reached 6 months of credit history with 0% monthly, my TU Fico is 738, EX is somewhere between 740-750. I don't think my scores can shoot any higher if I have 1% util.
Or it's because that I only had 1 credit card back then?
That would be strange based on anecdotal evidence. Your tradeline was flat at $0 every single reporting period?
It's a well established "fact" that $0 on every revolving tradeline is a non-trivial penalty. What were you using to monitor your scores for completeness sake?
@Revelate wrote:
It's a well established "fact" that $0 on every revolving tradeline is a non-trivial penalty. What were you using to monitor your scores for completeness sake?
I'm not sure how a non-trivial penalty is anecdotally defined these days, but I have a pattern of dropping precisely seven points going to the $0 baseline. As people appear to consider an inquiry impact of five to ten points as anecdotally trivial, my world view is quickly deteriorating, I'm sorry to say. 
@Anonymous-own-fico wrote:
@Revelate wrote:
It's a well established "fact" that $0 on every revolving tradeline is a non-trivial penalty. What were you using to monitor your scores for completeness sake?
I'm not sure how a non-trivial penalty is anecdotally defined these days, but I have a pattern of dropping precisely seven points going to the $0 baseline. As people appear to consider an inquiry impact of five to ten points as anecdotally trivial, my world view is quickly deteriorating, I'm sorry to say.
Hmm, the datapoints I saw were >10 points, though given your credit strata I would've expected higher rather than lower. Maybe it is trivial, it is certainly easily fixable 
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@Aarvard wrote:Yes. 6 months in a row with 0% util.
Those scores are lender pulls so it's true FICO.
Ah, hmm. Which lender, which scores specifically? Many lenders have various credit monitoring now and most are not FICO... in fact, if it doesn't say FICO with the usual registered trademark, it isn't. I would double-check that, as both the score and the no penalty for 0% utilization are suspect in my opinion after six months of history, even under FICO 8 which is apparently more lenient on newer files.