Data point. Have UTL at 13% gained 20pts

[Anonymous]

Woke up to an Experian 20 point jump to 618. FICO claims my Utilization at 13% caused this climb. 

Internet has multiple statements in regards to 1-9% being best ratio. My 13% was an operator error in allowing an excess $50 not paid before statement, paid now. 

Only been gaining 2-3 points since June.

unable to verify if a goodwill letter was granted, finally!

[Anonymous]

I have heard of this happening to others as well. I will know what happens to me this month, as one of my cards will report at 25% util while two report at 0.

[Anonymous]

I wonder.  Equifax just gave more points too. 

Game of statistics and bucketing!

[Anonymous]

9% is a perfect score increase figure. Being in the 20 to 30% range will inch scores up and above that does not move at all, unless other Cards increase their limits.

That being said 600s scores may increase faster than someone already at 700s. think of a bell curve.

[Thomas_Thumb]

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@Anonymous wrote:

I wonder.  Equifax just gave more points too. 

Game of statistics and bucketing!

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Congratulations on driving down your aggregate utilization %.

There are multiple thresholds for overall UT% (perhaps as many as 5). Each one you cross generally results in a score change. There may be one at 20% or 30% - if you were at 30% or more then you crossed one either way getting to 13%.

If you reduced the # cards reporting a balance as well, that can/will boost score (as long as # reporting is not zero).

Generally speaking, UT% on a specific card has very little (if any) impact on score by itself unless maxed out- It primarily comes down to how the amount reported affects aggregate UT% and whether AG UT% then crosses a threshold.

In the case of 25% UT on 1 of 3 cards with the others at zero, likely no negative score impact if AG UT stayed below 9%. If not, then score change - due to AG UT crossing a threshold.

[Anonymous]

Excellent.  Thank you!

reporting at 5% did 2-3 points per the big 3.  13% boosted Experian by 20, EQ by 2.  Thinking 19% and under is what my bucket wants.   Each bucket is different and placing what mine wants is an endless game.