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Utilization % - when is it rounded up?

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Anonymous
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Re: Utilization % - when is it rounded up?

My apologies, I forget there are so many sites out there with similar names. The simulator I used was on Credit Check Total - Fico 8.

 

The CK VS simulator tells me I will lose 30 points if I lower Util. I am at 7%. Hence the CCT account.

 

A cool data point would be to run util between 9.1 - 9.4. I  imagine Credit Guy in Dixie is right but it cant hurt just to be 100% if you are able

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