I think it was in reference to this: Amounts owed is 30% and the length is only 15% of your score. That's from the What's in Your Score Section on the MyFico site. Here:
http://www.myfico.com/CreditEducation/WhatsInYourScore.aspx
ETA: link
@kjm79 wrote:
I think it was in reference to this: Amounts owed is 30% and the length is only 15% of your score. That's from the What's in Your Score Section on the MyFico site. Here:
http://www.myfico.com/CreditEducation/WhatsInYourScore.aspx
ETA: link
But that's not everything FICO has to say about the matter. It's not an absolute these-percentages-are-locked-in-and-cannot-be-adjusted-for-any-reason. Let's see what else that link offers.
These percentages are based on the importance of the five categories for the general population. For particular groups - for example, people who have not been using credit long - the importance of these categories may be somewhat different.
So it's definitely not a situation where in every case utilization is twice as important as AAoA or credit history. As always YMMV.
From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782
"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".
@kjm79 wrote:
I think it was in reference to this: Amounts owed is 30% and the length is only 15% of your score. That's from the What's in Your Score Section on the MyFico site. Here:
http://www.myfico.com/CreditEducation/WhatsInYourScore.aspx
It’s impossible to micro-manage your FICO score based on general and broad info. I can’t speak for FICO, but my understanding has always been that the pie is a broad overview given to help us understand general FICO workings. It’s a great advantage to see, for example, how significant of an impact utilization can have on your score. I doubt that it was ever given as an exacting, “Beam, exactly 30% of your FICO score is given – point for point – on utilization.” FICO is an extremely complex algorithm with lots of moving data points.
As John Ulzheimer, who has worked with both Fair Isaac and Equifax puts it, rocket scientists have nothing on the guys that put your credit scores together.
Given that the pie is a broad picture to help us understand the generalities of FICO, it’s also important to remember that utilization - and AAofA - are certainly based on lots of different data points. Just sayin’.
A 20 year old open mortgage is not going to have the same impact on my FICO score as a 20 year old open revolving account; and neither of those will have the same impact as a 20 year old open Consumer Finance Account. It’s another thing altogether if I change that to a 20 year old, but now closed Consumer Finance Account….and so on ad infinitum.
And utilization can vary by 100 percentage points making a one to one comparison with AAofA virtually unattainable.
The gigantic variations possible in both utilization and AAofA make it impossible and impractical to compare them as simply as A times 2 = U.
Hope that's helpful! 
I posted the chart to provide a possible reference to RobertEg's statement, "Utilization of credit is weighted approximately twice that of age of credit history in the FICO scoring algorithm.", not for the end all be all of what makes up your score. And definitely am not wanting to confuse anyone or say this is how it is all the time. Hopefully, most of the members here have learned the mantra of "YMMV". 