Util %?

[hopingsoon]

How long term is the effect of high util? If I'm high this month and lose points, would I gain them back again next month by paying off the balance?

*is there any long term effect of the % being up and down from month to month?

[Anonymous]

No long term affect at all.  You are scored for what is reported.

If you are 90% this month that is what you are scored on.  If you are 7% next month, that is what you are scored on.

[YMLDC09]

I only have one CC should it report 0% or less than 9%?

Thanks!

[Anonymous]

9% or less.  YMMV so you can tinker around with the %.