Thanks BrandonLane!
I certainly don't want to pay for it to change every second 
, but I was thinking about calling Experian to ask for an update and willing to pay for it - I just don't know if I can ask for a FICO calculation update or how.
My score reports will be pulled soon to close on my mortgage by Feb 14th. I have worked hard the last few months, and specially in December, to pay off cards and get all individual utilizations under 30%. So, anything I can do to get Experian to give me a little credit for paying off so much debt, I'm willing to try.
@Anonymous wrote:Thanks Revelate!
Pardon my lack of knowledge. When you say scorecard, are you referring to my "credit report" (i.e. credit file) with each bureau?
The 5 accounts were revolving accounts: credit cards. The size of the payments was nearly $5,000 - although I am sure the $$ don't matter as much as the %.
However, I thought going under 30% utilization individually was as important as well as having an overall utilization under 30%.
Perhaps I was wrong, and the explanation to the lack of score change is that the overall utilization didn't cross a breakpoint since it only went from 20% to 15%.
The FICO algorithm separates files into scorecards: based on age, based the presense or lack of negatives, possibly a few other things.
I did a lot of utilization testing when I had my tax lien on my report (public record scorecard), but I didn't have any individual revolving tradeline breakpoint at 30%. Yeah, FICO 8 is all on percentages it appears.
SJ recently did post a datapoint which certainly looks like there is a breakpoint somewhere in there, whereas I didn't see a drop till north of what he had. So based on what you have in your file it might make a difference or it might not... scorecard dependant.
