Is it really 0% now?

[Anonymous]

My uti yesterday was 1%.  $75 of $5700.  Today my dads new discover that I am an au on reported only to ex and now my uti says 0%.  Still $75 but now total credit line of $16700.  I guess that's technically .44%  This is via cct btw.  I was under the impression anything over $2 is 1% unless its a discover card, then its $3 for 1%.

[Anonymous]

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@Anonymous wrote:

My uti yesterday was 1%.  $75 of $5700.  Today my dads new discover that I am an au on reported only to ex and now my uti says 0%.  Still $75 but now total credit line of $16700.  I guess that's technically .44%  This is via cct btw.  I was under the impression anything over $2 is 1% unless its a discover card, then its $3 for 1%.

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My understanding is that FICO rounds up.  So actually your utilization yesterday (75 / 5700) should have been 2%, not 1%.  Are you sure that CCT said your utilization was 1%? 

I wonder whether this is just a bug in CCT's software (for summarizing/interpreting your factors).  If CCT genuinely reported yesterday as 1% and today as 0%, then it must be rounding to the nearest integer rather than rounding up.

The money question, for me, is whether you received a credit score both days, and if you did whether there was a change.  If you had the same score both days, then FICO is behaving as expected (rounding up).  If your utilization truly dropped to 0% (in FICO's eyes) then you would have had a score drop.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

My uti yesterday was 1%.  $75 of $5700.  Today my dads new discover that I am an au on reported only to ex and now my uti says 0%.  Still $75 but now total credit line of $16700.  I guess that's technically .44%  This is via cct btw.  I was under the impression anything over $2 is 1% unless its a discover card, then its $3 for 1%.

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My understanding is that FICO rounds up.  So actually your utilization yesterday (75 / 5700) should have been 2%, not 1%.  Are you sure that CCT said your utilization was 1%? 

I wonder whether this is just a bug in CCT's software (for summarizing/interpreting your factors).  If CCT genuinely reported yesterday as 1% and today as 0%, then it must be rounding to the nearest integer rather than rounding up.

The money question, for me, is whether you received a credit score both days, and if you did whether there was a change.  If you had the same score both days, then FICO is behaving as expected (rounding up).  If your utilization truly dropped to 0% (in FICO's eyes) then you would have had a score drop.

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I pulled a 3b friday and ex was the only one who picked up the 11k discover so it was the only one to change uti from 1% to 0%.  I pulled a 3b today again and eq picked it up now as well.  I bought ex ct earlier and it shows 0% as well, granted cct and that are very similar (both owned by ex).  On Friday tu jumped from 676 to 752 from 2 deleted collections.  New discover didnt show on tu yet though, so not sure if itll go down.  Highly doubt it because eq was 642 friday and 649 now with 11k discover now reporting and $500 dcu visa.  Maybe it's just how they show it but sorta strange I've never seen anyone say this and I know tons of people have credit lines higher than 17k with very low uti and who use cct.

Btw, never got notifications of those score jumps.