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Scoring impact from max-out of single card?

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Super Contributor

Re: Scoring impact from max-out of single card?

Yes, though the latest aggregate utilization is 2%, so more like 2% to 4%.
High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
Message 11 of 17
Regular Contributor

Re: Scoring impact from max-out of single card?

I went from azeo to max and lost between 70 and 85 points.
Message 12 of 17
Super Contributor

Re: Scoring impact from max-out of single card?


@1984 wrote:
I went from azeo to max and lost between 70 and 85 points.

Did you only have 1 card?  If so, your individual card utilization is your aggregate utilization.  If that's the case, it's definitely possible to lose that much.  The qualifiers in the original post of this thread though stated that aggregate utilization needed to stay ideal, so a single-digit number both before/after the individual card max-out.  This doesn't sound to be the case in your example above.

Message 13 of 17
Regular Contributor

Re: Scoring impact from max-out of single card?

I have three.
Message 14 of 17
Super Contributor

Re: Scoring impact from max-out of single card?


@1984 wrote:
I have three.

What was your before/after aggregate utilization then, as that tells a greater story than a single maxed-out card.

Message 15 of 17
Super Contributor

Re: Scoring impact from max-out of single card?

me thinks this will be a long session of pulling teeth... better get some popcorn...

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
Message 16 of 17
Regular Contributor

Re: Scoring impact from max-out of single card?

Not sure on aggregate as I haven't for some reason heard that term yet.

Card 1 and 2 reported 0% while three was between 1-7%. After I put card one at 99%, card two at 75% three at 80%. There was a reporting break between card one and the other two showing the massive drop. Only a few points change each month down as balances remain. Card three has been brought to 0%. Card one and two remains. Score bumped up 5 points paying off one card while leaving the other two. Will find out when I pay the other two off over the next month or so what the scores do. Clearly anticipate a 80+ point increase once paid.
Message 17 of 17