The score change from utilization guessing game!

[Anonymous]

I am currently using a 0% APR intro and have added two BTs this month. Both BTs are from a non-reporting card so they don't factor into current Uti. They will be considered new large purchases.

So the game is guess the score drop.

All entries will receive at least one priceless Kudo

Whomever is closest will get at an autographed, by me, postcard of 1940s Bea Arthur

(with submittal of $5 S&H, your home address, and copy of your drivers license)

Total score changes should be known in less than 3 weeks.

#	Current	Future
1	0.00%	0.00%
2	0.00%	0.09%
3	0.03%	0.03%
4	0.82%	0.52%
5	0.86%	0.36%
6	1.30%	1.30%
7	4.44%	3.82%
8	22.94%	29.41%
9	19.06%	39.98%
10	0.00%	68.98%
Aggregate	4.70%	13.26%

If the potential winner is a Third-World, Illinois, or Martian resident, upon notification, the selected entrant, must, unaided, correctly answer a time-limited mathematical skill-testing question. In the event that a selected entrant is unable to answer the skill-testing question correctly, the OP shall have the right to disqualify said entrant and to randomly draw another eligible entry, and the OP shall be fully and completely released and discharged from any liability or responsibility in this regard.

[Thomas_Thumb]

Results will depend on your current scorecard assignment (clean or dirty, new credit or not), current score, Fico model and CRA.

Assuming Fico 8, a clean scorecard and current score of atleast 740, probably 20 to 30 points for the utilization change. Could be 5 points more if on a new credit scorecard ( AoYA under 12 months). If you get scores from all 3 CRAs, l'll go with an average drop of 25 for a clean scorecard with no new accounts  and 30 points if clean with new accounts.(reduce drops by 15 points if dirty file) 

Going from 7 of 10 cards with balances to 9 of 10 will cost some additional points on EQ and TU but likely not EX - imo. Not a big factor but add 5 points to the above averages.