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.
I noticed that also. Great question
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.
I lost 13 points on my EQ 08 score by letting all cards report $0.00.