Utilization and Balance update at the same time?

[Anonymous]

I would think that both utilization and balance would "alert" me at the same time in terms of improvements on FICO Score. I had the below occur to me in terms of score changes over the last week after my credit utlization went from 97% to 28%. 

Experian reported a change both to balance and utilzation.

Equifax and Transunion only reported balance.

Should I be waiting for the utilization score to kick in?

Following Alerts Have Occured:

Experian-

Utilization Percentage when down

CC Balance went down

Total Increase 25 PTS

Transunion-

Sum of all accounts has changed

Total Increase 7 PTS

Equifax

Balance on one of my accounts has decreased by $2000

Total Increase 23 PTS

Thank you,

David

[Anonymous]

Based on the score increases, it would seem that both EX and EQ are accounting for the decreased utilization and that TU isn't yet, for whatever reason.

[Anonymous]

FYI,

My "Credit Kamra" Scores are as follows (which have taken account the Credit Utilization on 10/7)

Transunion went up 19 pts (676)

Equifax went up 23 pts (684)

myFICO Scores are

Transunion- 620 (Updated 10/6)

Equifax- 612 (Updated 10/8)

Experian- 633 (Updated 10/6)

There seems to some differences, as the scores were really close to each other only 2 months ago.

The 620 number is key for me for a mortage, as they take the middle score and is considered the minimum for a conventional loan, I believe?

David

[Anonymous]

Your myFICO scores are exactly that, "FICO" scores where your CK scores are Vantagescore 3.0 scores which are completely different.  If I were you I wouldn't look at the CK scores at all as very few lenders will ever use them.

[Anonymous]

Would it be recommended I wait until that updates, if it does? Seems odd that something like that has not updated.

I am supposed to let a mortgage company know when to pull my score. I am not sure how accurate myFico is in compared to what a mortgage company may pull.

D