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Util %?

Regular Contributor

Util %?

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?

Starting Score: FAKOs EQ 537 TU 497 EX 517
Current Score 7/11/13: FICOs EQ 650 TU 659 EX 655
Goal Score: 675 Who am I kidding? Goal Score: 750+ Smiley Happy

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Message 1 of 4
Epic Contributor

Re: Util %?

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.

Message 2 of 4
New Contributor

Re: Util %?

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



Message 3 of 4
Epic Contributor

Re: Util %?

Message 4 of 4