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I know that your UTL affects your score. But just as some insite for some of the newer members Here is an example of UTL and score drops!
I am sitting at like 85%, up from aroud 40%, UTL right now and when everything updated my score fell 37pts in a short period of time.
I know that when I get them paid back down my score will rebound so yes it sucks to see that fall but I don't feel hopeless.
I post this becuse I see people ask often how much the UTL affects your score.
As another example, I let my accounts report balances to test out the monitoring of the new rolled out product. This 26% reduction dropped my overall util to about 8%. And thus giving me a 20 point gaint. My scores should rebound once all the other accounts report a zero balance but one that I'll leave at 1%.
It doesn't just impact scores but approvals and limits and CL's as well.
I just wanted to post a real-life example of the score changes when your UTL is high. I alwasy see people post questions about "how much will my score go up if I..." So I thought I'd share what happen when mine changed. Thanks for the other input.