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Credit score - morfizm

Jan. 21st, 2017 04:32 am Credit score

Keeping some balance on CC raised my "Credit Used" percentage from 3% to 14%.
This caused -74 points change to credit score (Excellent, 790 -> Good, 716).

Good to know that it's so drastically important for the score. I wouldn't have thought about it.

5 comments - Leave a commentPrevious Entry Share Next Entry


Date:January 21st, 2017 07:46 pm (UTC)
which credit score do you look at? I'm doing a refi, so three agencies reported widely different results (which I don't quite recall anyway, but the difference was >50 points).
Date:February 2nd, 2017 08:41 am (UTC)
вытащил из рефинансов свой кредитный репорт, цифры: 803, 761, 792. хватило на самые лучшие условия %)
Date:January 22nd, 2017 02:51 am (UTC)
RTFM ё-моё, во всех гайдах по credit score это разжёвано.
Date:January 22nd, 2017 04:26 am (UTC)

Ну я вот удивлен, что изменение утилизации до всего 14 процентов дало такое изменение score.  14 процентов это немного.  Я бы проверил, нет ли чего-то еще, что повлияло.

Date:January 23rd, 2017 01:20 am (UTC)
Do sign up for creditkarma, it's free and valuable
You will get free credit scores from two agencies out of three with detailed analysis of credit factors - their value, change from previous period(s) if any, and the impact/severity of the factor on the credit score