Difference between 0% util and 1% EQ Fico 08

[Ragelog]

When my accounts posted with 0% util my score became 655 then a small change happened unknown raised it to 660 yesterday with $1 posting on my DCU card today my score is now a 687.

So for myself the difference between using 0% credit and 1% is 27 points.

Which is pretty crazy really that can be the difference between not good and good credit.

Figured I would share.

[creditstalker]

I noticed that also.  Great question

[KellyP25721]

I think it depends on which CRA though.  I beleive one of them prefer to see 0% utilization and the other two want to see some % of utilization to prove that you are actively and responsibly using your credit.

[Anonymous]

thanks so much for posting this. i have 5 cards i payed down all the balance and free up 2000 dollars in available credit which only gave me a boost of 8 points on eq  3 points on trans and 17 on ex, i just charged 80 dollars on one of my cards and hopefully i get a bump like yours.

[masscredit]

I lost 13 points on my EQ 08 score by letting all cards report $0.00.