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11 point score increase by going from 2 accounts reporting balance to 1

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11 point score increase by going from 2 accounts reporting balance to 1

DW's equifax score increased by 11 points (784 -> 785) when she went from having 2 account reporting a balance to 1.  Seems like a pretty big jump.   Particularly since one of the account reporting a balance early was a charge card (Amex Gold) which isn't part of the Util equation.  Her overall util actually went up from <1% to 8%.

 

Also, one card that is now reporting a balance has individual util of 29%.  It seems odd to see an increase of this magnitude.

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