Credit Card Utilization

[BMW_328i]

Hello all, Why is that when the utilization is high on the prior billing statement and points are lost, you don't get back the same amount of points. If I lost 30 points and then paid the balance under 7% (prior ratio before high utilization), why don't I get back the whole 30 points that I lost? Thanks in advance!

[Remedios]

Because something else happened in between. One of your negatives could have updated, or if you've done any disputes without resolution in your favor (making derog appear more recent).

If everything was the same, you'd get same number of points back. 

If you're really curious, go over your reports, see when each item reported last, and also if other things like number of accounts with balances changed. 

[BMW_328i]

The only change that was an installment went from 30 days to current. Hmmm. I'll see what happens. I noticed MyFICO breaks each CC out. The points I'm referring to is based on one of my CCs. My other CC will update to 0%. Come to think of it. That's why! I'm using the AZEO so I left double of the amount ( going from 7'% to 13.6%). I should hopefully see the net once the other CC reports. My utilization will be 5% for both cards. Need to get one more CC and I'll be done farming. Thanks