2% util to 0% good for 3 points

[expatCanuck]

Well, under half a percent anyway.

My otherwise clean EX (with 6 INQs) went from 803 to 806 when util went from about 2% to under .5%.

That is all.

[Junejer]

That's about as much as I would expect from a move like that @expatCanuck 

[expatCanuck]

I was surprised (but pleased) to get the bump -- knew about 8.9%, but not 'below half a percent but above zero'.

[Curious_George2]

What are the dollar amounts of your aggregate balance at those two points?

I ask because there is a theory that there are some points awarded/lost for Total Revolving Balances, measured in dollars. I think this came up in the pinned AMA with real FICO experts. @HeavenOhio found a threshold at some preposterous number like $156 or something. Here's a post where that user narrowed it down to somewhere between $129 and $179.

[expatCanuck]

@Curious_George2 

Total balance reported owing had been ~6.5K, against an aggregate revolver line of a little over 340K.

The card reporting $5K has a $25K line.

Now, ~$1.5K is reporting.