Utilization

[Shawndoe79]

I used exactly 30% of my credit card and my EQ dropped 6 points, TU dropped 1, EX didnt budge.  I thought 0-30% was the sweet spot.  overall utility is 15%.  DO I need to use less than 30%?

[jacetx]

Good <30%, Better 10%-20%, Best <10%

[SOGGIE]

YMMV Shawndoe. I have found that my scores are higher when each of my accounts do not exceed 10% utilization (or 10% aggregate utiization).

[Anonymous]

Did your util go up to 30% or go down to 30%? Did anything else on your profile change? 30% is the suggested max, 10% is ideal, <10% is optimal. Of course, there are other factors that goes into your scores as well.

[Shawndoe79]

it went from 0-30%

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@Anonymous wrote:

Did your util go up to 30% or go down to 30%? Did anything else on your profile change? 30% is the suggested max, 10% is ideal, <10% is optimal. Of course, there are other factors that goes into your scores as well.

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[Anonymous]

Speaking of just util only, your overall util may have went up which caused your scores to drop a few points. 0-30%, even on one acc, is still a significant jump. Just because you keep util at or under 30%, it does not mean that your score will continue to rise.

[Shawndoe79]

Yea I see that now, i will pay it off next week and just keep it under 10% from now on