Where can I find the utilization scoring thresholds?

[kxkxkxx]

Been doing a search in here, but cannot find.

I know 2 of them:

• 8.9%
• 28.9 %

Can you please tell me the others?

thanks!

[AZ-Jeff]

YMMV but my spreadsheet has the percentages as:

88.90

68.90

48.90

29.90

8.9

[SouthJamaica]

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@kxkxkxx wrote:

Been doing a search in here, but cannot find.

I know 2 of them:

• 8.9%
• 28.9 %

Can you please tell me the others?

thanks!

---

I don't think it's as clearly defined as some would have you believe, especially in the area of revolving utilization. In my experience anything over 3% costs me points, and the higher it goes the greater the point loss.

For individual card utilization it is clear that 29% is an important threshold.

[kxkxkxx]

thank you!!

[Anonymous]

Further optimization is at this link: General Scoring Primer and Version 8 Master Thread 

[Anonymous]

Do you offer your spreadsheet as a template for others to use?

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@AZ-Jeff wrote:

YMMV but my spreadsheet has the percentages as:

88.90

68.90

48.90

29.90

8.9

---

[Anonymous]

---

@Anonymous wrote:

Do you offer your spreadsheet as a template for others to use?

---

@AZ-Jeff wrote:

YMMV but my spreadsheet has the percentages as:

88.90

68.90

48.90

29.90

8.9

---

---

@Anonymous there is a workbook template linked at the top of my signature for your convenience courtesy of @ccquest .

[Anonymous]

I think the most important takeaway for anyone regarding utilization thresholds is that while the thresholds may be known, what isn't known is how each of them impacts every profile.  One person may have a single card cross from 45% to 55% utilization and see no score drop at all, where another person may cross that same threshold and see a 10 point drop.