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Uti % 27 to 32%

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Uti % 27 to 32%

How many points will this drop me by on estimate ?

5700$ cl
2 REPLIES 2
Super Contributor

Re: Uti % 27 to 32%

Are you talking overall utilization or utilization on a single card?

 

If you're talking overall utilization, crossing that 28.9% threshold may cause you to lose 10-15 points on your FICO 8 scores.

 

Your credit limit by the way is not a factor in FICO scoring... simply the percentages that you referenced are all you need.

Message 2 of 3
Super Contributor

Re: Uti % 27 to 32%

What are your FICO 8 scores now?
Is the $5,700 on one card? Is it the only card? If not the only card, what are the list of cards and limits? Any other balances?
Are there any lates on your file, ever?
High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
Message 3 of 3
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