@keithw1975. Reported revolving utilization may be looked at equally. However, there are other scoring factors that may not be.
I would recommend reading the below from ABCD2199
The Truth about Credit Card Utilization
My 11 Rules to Credit Rebuilding
FICO Score: What to pay down first?
From Birdman7
General Scoring Primer and Version 8 Master Thread rev.5.17.20
@keithw1975 wrote:When people regularly say that scoring has no memory, does that means that if you have two people and one always keeps low balances and is very conservative with credit, while the other always maxes out cards and leaves them there for years, if both pay off all cards, they would be looked at equally?
Scoring has plenty of memory.
What people regularly say is "utilization has no memory". What they mean is the utilization component of your score is based on a snapshot of a moment in time, the moment your report is pulled and a score taken. So if your utilization is lousy this month, but great next month, next month's score won't be affected by the fact that your utilization was lousy the month before.
In the example you gave, their utilization components would be looked at equally, assuming their limits and balances are identical.
