No Change in Score from Overall Util 33--->27

[Anonymous]

Was able to isolate this out given the Amex with the CLI reported ahead of my Chase cards. This is all with Experian at the moment. 

Current accounts as reported (balance/limit): 

7800/20500

693/9300 (previously 1009/3100 before reporting CLI)

2950/6500

641/5000

607/5300

As noted above, the only change was the CLI and slightly lower balance. Just a little confusing that nothing happened there. Will see if anything happens when the first and third balances report much lower tomorrow. Is there something about how the monetary value didn't really drop that is creating a lag (13000-12700?). Just feels odd. 

[Anonymous]

I would have expected to see a score change with the data you provided and the crossing of that 28.9% threshold on aggregate utilization.

Do you have access to negative reason statements before and after the CLI?  I'd be curious where certain codes for you sit, such as "too many accounts with balances" since you're at 100% there and also "amounts owed too high" based on your aggregate utilization.

[Anonymous]

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@Anonymous wrote:

I would have expected to see a score change with the data you provided and the crossing of that 28.9% threshold on aggregate utilization.

Do you have access to negative reason statements before and after the CLI?  I'd be curious where certain codes for you sit, such as "too many accounts with balances" since you're at 100% there and also "amounts owed too high" based on your aggregate utilization.

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Short account history, high credit usage, loan balance (it's my student loans being high). 

[Anonymous]

11 point gain largely from 27-->23. Account amounts that changed:

6350/20500
2600/6500