Scoring????

[afbar1114]

so last month i let cards post with $0 and UTL was around 20% used cards let some post now utl is around 28% and my scores have been going up!!!! whats up with that???

ETA: one account my cap1 went from 0$ last month to $360 this month and score went up!!!!

[corymcd88]

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@afbar1114 wrote:

so last month i let cards post with $0 and UTL was around 20% used cards let some post now utl is around 28% and my scores have been going up!!!! whats up with that???

ETA: one account my cap1 went from 0$ last month to $360 this month and score went up!!!!

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I had a TU boost by 25 points for no reasion that i could find, i liked the boost!!

[afbar1114]

idk whats going on but i like that it went up...maybe usage??? but UTL went up by almost 10%

[Anonymous]

Better review that credit report more closely.  There might be other stuff going on.  Maybe AAoA hit some new average.  Also, are you understanding how utilization is looked at?  It is not just total utilization but other utilization factors.  btw, when quoting utilization are you just including revolving debt utilization (ie only credit cards and not charge cards and installment loans)?