FICO Scores and Utilization - Where are the cutoff points and how much do they matter?

[smallfry]

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@Anonymous wrote:

An additional question: Say you have 10 cards each with 10k limits. If you stay at 0% on 5 cards but go to 80% on 5, does that hurt your score more or less than going to 40% on all 10 cards? 40% util overall, but differently distributed, and in a way that affects the profitability of the BT game. (Not all cards are created equal, etc.)

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All things being equal you are better off spreading it around. Who knows how many points though.

[fused]

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MidnightVoice wrote:

You are correct - EX lists monthly balances for the last two years and credit limits and credit limit changes.  From that is is possible to calculate historical utilization patterns.

MY CSC/EQ does not seem as informative

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Which Fako site shows this info? I can't find it! I use TC and CreditSecure.

[MidnightVoice]

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@fused111 wrote:

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@MidnightVoice wrote:

You are correct - EX lists monthly balances for the last two years and credit limits and credit limit changes.  From that is is possible to calculate historical utilization patterns.

MY CSC/EQ does not seem as informative

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Which Fako site shows this info? I can't find it! I use TC and CreditSecure.

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It is from a REAL EX CR

[fused]

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@MidnightVoice wrote:

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@fused111 wrote:

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@MidnightVoice wrote:

You are correct - EX lists monthly balances for the last two years and credit limits and credit limit changes.  From that is is possible to calculate historical utilization patterns.

MY CSC/EQ does not seem as informative

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Which Fako site shows this info? I can't find it! I use TC and CreditSecure.

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It is from a REAL EX CR

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Where do I find this info?

[MidnightVoice]

From a Credit Report from Experian. Dispute something via TC and get a free one

[fused]

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MidnightVoice wrote:

You are correct - EX lists monthly balances for the last two years and credit limits and credit limit changes.  From that is is possible to calculate historical utilization patterns.

MY CSC/EQ does not seem as informative

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I must be incredibly stupid! I have never seen what you are describing here.