Utilization and credit score relationship

[Anonymous]

My utilization recently went up from 5% to 14%. I received an alert about a balance and score change. I looked up my score and 2 scores went up. Experian went up by 12pts and Equifax by 2pts. What's going on? I thought the relationship between utlization rate and score was inverse? I've tried to raise my score by been keeping my utilization between 1%-4% most times and i rarely see that much change in score.  Am i missing something? I'm confused.

[EW800]

I am far from an expert, but wondering if anything else might have changed - age of a baddie, something fell off or similar?  Through my experience, going over the 9% range usually results in score drops.  Seems like something else must have changed or somehow went into a different bucket?

[Anonymous]

For people with young credit or new accounts a lot of times the aging of these accounts will offset changes like this. I typically see jumps at 3-6-12 months from adding a bunch of new accounts.

[NRB525]

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@Anonymous wrote:

My utilization recently went up from 5% to 14%. I received an alert about a balance and score change. I looked up my score and 2 scores went up. Experian went up by 12pts and Equifax by 2pts. What's going on? I thought the relationship between utlization rate and score was inverse? I've tried to raise my score by been keeping my utilization between 1%-4% most times and i rarely see that much change in score.  Am i missing something? I'm confused.

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+1 to EricDET

OP, score changes have many inputs. How old are each of your cards?

[Anonymous]

5 years but it shows 3 years average for all.