In my credit score tracking life, ever since passing 30%, I have never been below 30%. However, when all my CCs report, my overall util will be 29.03%. One catch is that not all cards will be under 30%. With my EQ, TU, and EX scores all in the 700s, will this new aggregate % change the scores or is it already baked in?
@pi-r-squared wrote:In my credit score tracking life, ever since passing 30%, I have never been below 30%. However, when all my CCs report, my overall util will be 29.03%. One catch is that not all cards will be under 30%. With my EQ, TU, and EX scores all in the 700s, will this new aggregate % change the scores or is it already baked in?
It wiil probably increase your scores modestly.
The threshold is actually >29%, so 28% and lower.
Yeah the utilization metrics all seem to round up in the data.
Soon though OP, congrats on making progress on your utilization!
