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UTILIZATION AT ZERO PERCENT INCREASE BY $2.00 SCORE STILL DROPPED

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Valued Contributor

Re: UTILIZATION AT ZERO PERCENT INCREASE BY $2.00 SCORE STILL DROPPED

+1 BBS said....VS is meaningless, if not worse.







Installment loan reported this month,so technically, I'm at 2 months, but AoYA points were NOT reset. When new CCs hit and it is reset, I'll put the number it is.+1,+2,+2(Forgive typos, mobile.)(Everything said is Just IMHO.)
Scores updated AUG 4, '19. Since then, 5 HP dings to add; will update again.
Message 11 of 13
New Visitor

Re: UTILIZATION AT ZERO PERCENT INCREASE BY $2.00 SCORE STILL DROPPED

Thank  you, I setup the account and its showing my Experian FICO score 8, and then it mentions, i need to upgrade to see all three scores, I though FICO was all three scores, however my capital one uses creditwise and it reflects the same score as Credit Karma.  Capital One and Chase seem to use Transunion scoring model the same as Credit Karma. 

 

However what I am trying to do is not have a zero balance each month for fear, its showing I am not using my card however, my sores from my capital one and chase keep dropping, my utilization only increased between 2 and 14 dolllars. I am still not using more then 1 percent of  my credit limited.  What I trying to do is show 1% utalization each month without my score dropping.

Message 12 of 13
Valued Contributor

Re: UTILIZATION AT ZERO PERCENT INCREASE BY $2.00 SCORE STILL DROPPED

First off you are referring to FICO 8, you have one of those from each of the three major credit bureaus, so that makes three. And actually you have multiple flavors of multiple different versions of FICO scores. If you pull a 3B through MF you can get 28 different FICO scores.

Your issuer know what you’re putting on your card so they know what you’re utilizing. The only point of having a certain percentage reported this to affect your scores.

Yes they give away vantage scores I assume because they are cheaper than FICO scores.







Installment loan reported this month,so technically, I'm at 2 months, but AoYA points were NOT reset. When new CCs hit and it is reset, I'll put the number it is.+1,+2,+2(Forgive typos, mobile.)(Everything said is Just IMHO.)
Scores updated AUG 4, '19. Since then, 5 HP dings to add; will update again.
Message 13 of 13
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