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## Single uti vs total it i?

Established Member

## Single uti vs total it i?

I'm totaled around 48% on all cards 5450 total and next update i will cross below 30% total  how much will this effect me !?

also.   When dropping some to zero do i let them report zero or keep 5-10\$ reporting

how many points can i get from crossing the 30% threshold

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Super Contributor

## Re: Single uti vs total it i?

@amckee wrote:

I'm totaled around 48% on all cards 5450 total and next update i will cross below 30% total  how much will this effect me !?

also.   When dropping some to zero do i let them report zero or keep 5-10\$ reporting

how many points can i get from crossing the 30% threshold

No one can answer your 2nd question. It's not even clear that 30% is a threshold.

As to your first question, yes, when dropping to zero you should let one card report a small balance.

Total revolving limits 653000 (575000 reporting) FICO 8: EQ 716 TU 747 EX 715

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Super Contributor

## Re: Single uti vs total it i?

Different profiles can gain and lose different amounts of points for the same changes.  Me best guess for an average amount of points gained for reaching/crossing 30% would be maybe 15-20 on F8.

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Super Contributor

## Re: Single uti vs total it i?

@amckee wrote:

I'm totaled around 48% on all cards 5450 total and next update i will cross below 30% total  how much will this effect me !?

also.   When dropping some to zero do i let them report zero or keep 5-10\$ reporting

how many points can i get from crossing the 30% threshold

@amckee ideally you want as many reporting zero as possible but you always want at least one reporting a small balance. 15 points could be possible for crossing the 30% aggregate threshold but it's really profile specific and can vary.

-Community’s scoring wisdom: Scoring Primer.
-New: MORTGAGE SECTION.
-Negative Reason Codes: CassieCard’s Score Factors.
-Calculate metrics with ccquest’s Workbook.

Clean/Thick/Mature/No New Revolver - 8,9; Clean/Thick/Mature/No New Account - 5/4/2.
Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.

RIP:

(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
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