No score change after letting an account report 87%

[masscredit]

I usually follow AZEO most months. Sometimes I'll let an extra card or two report a balance then pay it off after the statement closes. I booked a trip the week before my closing date so I let the balance report. That was $4348/$5000. I expected a score hit when it reported. Nothing... nothing at all. One other card was reporting $103/$3000. Total utilization went to 12% with these two. 

I confirmed these balances are reporting on my reports. There is usually movement with a single or multiple cards reporting more than a certain balance (percentage). Sometimes I don't understand FICO scoring... 

[GZG]

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@masscredit wrote:

I usually follow AZEO most months. Sometimes I'll let an extra card or two report a balance then pay it off after the statement closes. I booked a trip the week before my closing date so I let the balance report. That was $4348/$5000. I expected a score hit when it reported. Nothing... nothing at all. One other card was reporting $103/$3000. Total utilization went to 12% with these two. 

I confirmed these balances are reporting on my reports. There is usually movement with a single or multiple cards reporting more than a certain balance (percentage). Sometimes I don't understand FICO scoring... 

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to think I was surprised when letting $1k report on $10k didn't cause a score change - ha

I thought utilization was less of a scoring factor on dirty/bk profiles, so the more drastic swings in score based on utilization that we see on clean profiles are lessened on dirty profiles

[Thomas_Thumb]

Utilization IS less important on dirty scorecards - particularly those withba long history.

Even on clean scorecards, a 10% UT on a single card typically has no impact on score. Usually a card has to exceed 29% to see movement. Profiles with an open loan are less susceptable.