myFICO® Forums
Help
cancel
Turn on suggestions
Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Showing results for 
Search instead for 
Did you mean: 

Fico score change ......utilization ?/

tag
Get Access Now
Anonymous
Not applicable
‎03-15-2012 04:08 PM
‎03-15-2012 04:08 PM

Fico score change ......utilization ?/

Myoverall  util went from 22% to 5% ....should I see a point increase at all??

Message 1 of 7
0 Kudos
6 REPLIES 6
kjm79
Valued Contributor
‎03-15-2012 04:26 PM
‎03-15-2012 04:26 PM

Re: Fico score change ......utilization ?/

I think most people will say you should see an increase, how much, no one can really say. 


CH 7 Filed 7/27/15 Discharged 11/16/15
Starting Score: EQ 620 TU 568 EX 593
Current Score (07/13/16): EQ 674 TU 649 EX 674 (FICO's 08)
Cap1 QS ($5350) (Combined QS and QS1) Discover It ($4100) MilStar ($8,600) Fingerhut ($800)
Off to the garden 05/01/16
Message 2 of 7
0 Kudos
Anonymous
Not applicable
‎03-15-2012 07:14 PM
‎03-15-2012 07:14 PM

Re: Fico score change ......utilization ?/

I was just wondering if it wold move up....have a bk reporting from 2005.....only thing bad on ccr....
Message 3 of 7
0 Kudos
MarineVietVet
Moderator Emeritus
‎03-15-2012 08:16 PM
‎03-15-2012 08:16 PM

Re: Fico score change ......utilization ?/

@Anonymous wrote:
I was just wondering if it wold move up....have a bk reporting from 2005.....only thing bad on ccr....


With your BK that old and the only negative reporting I agree that your score should get a bump. But I'm terrible at guessing.

 

Please come back to this thread and let us know what happens if you would.

Message 4 of 7
0 Kudos
atarvuzdar
Established Contributor
‎03-16-2012 10:20 AM
‎03-16-2012 10:20 AM

Re: Fico score change ......utilization ?/

Everyone's situation is different, but my EQ score went up 5 points when I took my overall util% from 19% to 8%. Good luck!

FICO 8: EQ 846 / TU 836 / EX 832
AMEX Platinum / AMEX Gold / BofA Cash Rewards Visa Sig $99,900 / Chase Freedom Flex $54,400 / Citi Double Cash $21,700 / AMEX EveryDay $30,000 / Gemini $25,000 / Chase Freedom Unlimited $25,500 / Chase SP $15,000
Message 5 of 7
0 Kudos
Anonymous
Not applicable
‎03-16-2012 08:05 PM
‎03-16-2012 08:05 PM

Re: Fico score change ......utilization ?/

@atarvuzdar wrote:

Everyone's situation is different, but my EQ score went up 5 points when I took my overall util% from 19% to 8%. Good luck!

No alert yet....hope they report soon...
Message 6 of 7
0 Kudos
Booner72
Senior Contributor
‎03-17-2012 05:13 PM
‎03-17-2012 05:13 PM

Re: Fico score change ......utilization ?/

@MarineVietVet wrote:
@Anonymous wrote:
I was just wondering if it wold move up....have a bk reporting from 2005.....only thing bad on ccr....


With your BK that old and the only negative reporting I agree that your score should get a bump. But I'm terrible at guessing.

 

Please come back to this thread and let us know what happens if you would.

MV - you are great at guessing!  When I was doing my "how to get to 640" post, you guessed right on the money!

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Message 7 of 7
0 Kudos
† Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.