Experian Dropped Score 20 Points

[Anonymous]

---

@Anonymous wrote:

---

@805orbust wrote:

@Anonymous technically it would be anything under 9% utilization for the one card. e b

---

Thank you. So on that card I have a CL of $500. I just paid the balance down to $100. It will report on Wed. I am zeroed out on my other cards with a total CL of 4200. Should I pay down my card balance down to $45 dollars so that it meets the 9% utilization?

Thank you in advance.

---

The first major recognized individual revolving threshold is at 30%. The first major recognized aggregate revolving threshold is at 5%. The lowest reported balance threshold on any version is ~$147 on EX2. So you want to be below all three of these, that's why I typically recommend under $20. Even if you've got a $500 limit card, that's under 5% individual, aggregate, and under the lowest balance threshold. 

with that said, @Anonymous did find an weird situation where an individual threshold existed at 5% on a young Scorecard at EX8, I think. Actually I think it was a aggregate, but it required all individuals to be under 5% as well. 

so it depends on what score you're trying to optimize, but if you wanted to take no chances on getting every possible point pay it under $25 bucks, but you may see no increase from $100. 

@Anonymous Edited. 

[Anonymous]

---

@Anonymous wrote:

---

@Anonymous wrote:

---

@805orbust wrote:

@Anonymous technically it would be anything under 9% utilization for the one card. e b

---

Thank you. So on that card I have a CL of $500. I just paid the balance down to $100. It will report on Wed. I am zeroed out on my other cards with a total CL of 4200. Should I pay down my card balance down to $45 dollars so that it meets the 9% utilization?

Thank you in advance.

---

The first major recognized individual revolving threshold is at 30%. The first major recognized aggregate revolving threshold is at 5%. The lowest reported balance threshold on any version is ~$147 on EX2. So you want to be below all three of these, that's why I typically recommend under $20 or under $100 is fine.

with that said, @Anonymous did find an interesting situation where an individual threshold existed at 5% on a young Scorecard at EX8, I think. Actually I think it was a Aggregate but it required all individuals to be under 5% as well. 

so it depends on what score you're trying to optimize but if you wanted to take no chances on getting every possible point pay it under 25 bucks, but you may see no increase from $100. 

---

I will do some recon. I will do the $100 balance this month, then next month I will do $25, and the month after that $5 to see what different results that I get. Will post each month the results.

[Anonymous]

---

@Anonymous wrote:

---

@Anonymous wrote:

---

@Anonymous wrote:

---

@805orbust wrote:

@Anonymous technically it would be anything under 9% utilization for the one card. e b

---

Thank you. So on that card I have a CL of $500. I just paid the balance down to $100. It will report on Wed. I am zeroed out on my other cards with a total CL of 4200. Should I pay down my card balance down to $45 dollars so that it meets the 9% utilization?

Thank you in advance.

---

The first major recognized individual revolving threshold is at 30%. The first major recognized aggregate revolving threshold is at 5%. The lowest reported balance threshold on any version is ~$147 on EX2. So you want to be below all three of these, that's why I typically recommend under $20 or under $100 is fine.

with that said, @Anonymous did find an interesting situation where an individual threshold existed at 5% on a young Scorecard at EX8, I think. Actually I think it was a Aggregate but it required all individuals to be under 5% as well. 

so it depends on what score you're trying to optimize but if you wanted to take no chances on getting every possible point pay it under 25 bucks, but you may see no increase from $100. 

---

I will do some recon. I will do the $100 balance this month, then next month I will do $25, and the month after that $5 to see what different results that I get. Will post each month the results.

---

@Anonymous well if the CL is $500, 20% would be $100, 10% would be $50, & 5% would be $25. So depending on how many opportunities you have, you could do one over $100, one under $100, one under $50 and one under $25. 

i'm pretty confident you wouldn't see anything until $150 (30%), but it's worth checking under $50 (10%) and under $25 (5%).

[Anonymous]

@Anonymouswrote:

@Anonymouswell if the CL is $500, 20% would be $100, 10% would be $50, & 5% would be $25. So depending on how many opportunities you have, you could do one over $100, one under $100, one under $50 and one under $25.

i'm pretty confident you wouldn't see anything until $150 (30%), but it's worth checking under $50 (10%) and under $25 (5%).

I am pretty consistent on paying my balances off as I do not carry balances over at all. I am not in a rush to apply for new credit so I can play with this for a while. My credit is not that great but I am improving it everyday. I don't usually apply for much credit but want to know  a lot about it so when I do app spree I will have all the tools on deck. This month I paid the balance on my $500 card to exactly $100.49 just to see if I can get back my 20 points with experian, 8 points with equifax, and 2 points with transuion after all my cards reported to zero at the same time.  We will see what happens in about a week, and I will make update this post.

[Anonymous]

---

@Anonymous wrote:

@Anonymouswrote:

@Anonymouswell if the CL is $500, 20% would be $100, 10% would be $50, & 5% would be $25. So depending on how many opportunities you have, you could do one over $100, one under $100, one under $50 and one under $25.

i'm pretty confident you wouldn't see anything until $150 (30%), but it's worth checking under $50 (10%) and under $25 (5%).

I am pretty consistent on paying my balances off as I do not carry balances over at all. I am not in a rush to apply for new credit so I can play with this for a while. My credit is not that great but I am improving it everyday. I don't usually apply for much credit but want to know  a lot about it so when I do app spree I will have all the tools on deck. This month I paid the balance on my $500 card to exactly $100.49 just to see if I can get back my 20 points with experian, 8 points with equifax, and 2 points with transuion after all my cards reported to zero at the same time.  We will see what happens in about a week, and I will make update this post.

---

@Anonymous why $100.49? You do realize all balances are truncated before they are transmitted to the bureaus via the metro2 format, so that balance will be reported as $100 even.  

[Anonymous]

---

@Anonymous wrote:

---

@Anonymous wrote:

@Anonymouswrote:

@Anonymouswell if the CL is $500, 20% would be $100, 10% would be $50, & 5% would be $25. So depending on how many opportunities you have, you could do one over $100, one under $100, one under $50 and one under $25.

i'm pretty confident you wouldn't see anything until $150 (30%), but it's worth checking under $50 (10%) and under $25 (5%).

I am pretty consistent on paying my balances off as I do not carry balances over at all. I am not in a rush to apply for new credit so I can play with this for a while. My credit is not that great but I am improving it everyday. I don't usually apply for much credit but want to know  a lot about it so when I do app spree I will have all the tools on deck. This month I paid the balance on my $500 card to exactly $100.49 just to see if I can get back my 20 points with experian, 8 points with equifax, and 2 points with transuion after all my cards reported to zero at the same time.  We will see what happens in about a week, and I will make update this post.

---

@Anonymous why $100.49? You do realize all balances are truncated before they are transmitted to the bureaus via the metro2 format, so that balance will be reported as $100 even.  

---

I did not know that. When made a payment of $250.00 that is what the balance ended up as. I did not do that on purpose LOL!

[Anonymous]

OK I thought you may have been testing something that's why I ask. 

[Anonymous]

---

@Anonymous wrote:

---

@Anonymous wrote:

@Anonymouswrote:

@Anonymouswell if the CL is $500, 20% would be $100, 10% would be $50, & 5% would be $25. So depending on how many opportunities you have, you could do one over $100, one under $100, one under $50 and one under $25.

i'm pretty confident you wouldn't see anything until $150 (30%), but it's worth checking under $50 (10%) and under $25 (5%).

I am pretty consistent on paying my balances off as I do not carry balances over at all. I am not in a rush to apply for new credit so I can play with this for a while. My credit is not that great but I am improving it everyday. I don't usually apply for much credit but want to know  a lot about it so when I do app spree I will have all the tools on deck. This month I paid the balance on my $500 card to exactly $100.49 just to see if I can get back my 20 points with experian, 8 points with equifax, and 2 points with transuion after all my cards reported to zero at the same time.  We will see what happens in about a week, and I will make update this post.

---

@Anonymous why $100.49? You do realize all balances are truncated before they are transmitted to the bureaus via the metro2 format, so that balance will be reported as $100 even.  

---

UPDATE!!!!1

Allowing $100 to report to my cc that has a $500 limit allowed my scores to bounce back. My card is at 20% utilization. MyFico reports that my total utilization is at 2%. My total CL is $4,200. I was hoping that I would get at least 1-3 extra points, but I am pleased that it bounced back. So I have had a report of the following and the scores has been the same $3, $187, and now $100. With my profile there is not much difference. next month I am going to try to have my profile report at 9% and the month after 10% utilization to test my credit profile to see if there is any difference.

On the images you see I had an alert this monring that raised experian up by 20 points but not the other agencies. So i used my free fico report to see if there were any changes on the other CRA's. Once I updated the report the others followed suit and gave me my credit points back.

Thanks for all your help.

[Anonymous]

---

@Anonymous wrote:

OK I thought you may have been testing something that's why I ask. 

---

Not yet, but will be testing 9% utilization next month, and it July 10% utilization just to see what happens.

I think I am maxed out with these scores based on my credit profile until I can get some paid collections removed.

I had a open collection account removed and did not a score bump and it was a $2,143 debt but had a successful PFD. I thought it would help my score, but for some reason it did not.

[Anonymous]

---

@Anonymous wrote:

---

@Anonymous wrote:

OK I thought you may have been testing something that's why I ask. 

---

Not yet, but will be testing 9% utilization next month, and it July 10% utilization just to see what happens.

I think I am maxed out with these scores based on my credit profile until I can get some paid collections removed.

I had a open collection account removed and did not a score bump and it was a $2,143 debt but had a successful PFD. I thought it would help my score, but for some reason it did not.

---

@Anonymous when you have collections, usually you don't see the points until you remove them all, then the big points!