Aggregate util DP

[SRT4kid93]

Got a CLi bringing my aggregate from 16% to 14% and gained 15 points. Didn't know 15% was a threshold 

[FICOdawg]

What was your highest individual UT on any card?

[SRT4kid93]

just about 47% which didnt change.

the card that got the CLI was a $0 balance card anyways

[FICOdawg]

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@SRT4kid93 wrote:

just about 47% which didnt change.

the card that got the CLI was a $0 balance card anyways

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This is more than likely score improvement data point from your card going below 49% individual UT.

[SRT4kid93]

sorry you misunderstood. That may have been my fault for not being clear enough.

The 47% card did not change. It's always been at 47%. 

the only thing that changed was one of my $0 balance cards got an increase changing my aggregate. 

[FicoMike0]

That's surprising. Could there be an aging metric that triggered?

[SRT4kid93]

Nope it's not a new month so none of my age metrics improved. It's also worth noting these updates were from Experian website so the 2 pulls were on back to back days. Since they do daily free pulls. 

[SouthJamaica]

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@SRT4kid93 wrote:

Got a CLi bringing my aggregate from 16% to 14% and gained 15 points. Didn't know 15% was a threshold 

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It's not.

[SRT4kid93]

@SouthJamaica 

That's what I always thought but doesn't that seem like a large increase for only a 2% difference in util? Usually you only see increases like that when you cross a threshold? Oh well 

[JoeRockhead]

@SRT4kid93 What's the age of each of your cards?