hoapres Posted February 19, 2022 Share Posted February 19, 2022 I have access to possibly the best CR to test utilization on FICO. The CR has ONE and I do mean ONLY ONE tradeline being an 8 year old Capital One secured card. Here are the results with varying levels of utilization 100% gives one 697, 50% gives 717, 30% gives 730, 0% gives 768. The credit limit on the card is $2,500. Also was able to look at some old CRs which the person was generous enough to share FICO scores with me. In short, ANY and I do mean ANY derogatory means a MINIMUM of a 50 point drop. The FICO score went up 50 points as soon as the last derogatory fell off the CR. A 2010 filed BK resulted in a FICO score of 498 with 50K+ of charged off debt. This isn't an ideal CR but from the point of doing some tests on FICO then it can hardly be beat. MarvBear 1 Quote Link to comment Share on other sites More sharing options...
centex Posted February 22, 2022 Share Posted February 22, 2022 Which model of Fair Isaac scoring were you getting the scores from? hegemony 1 Quote Link to comment Share on other sites More sharing options...
hoapres Posted February 24, 2022 Author Share Posted February 24, 2022 Fico 8. IT would have been to do an interesting comparison with FIco 10, Fico 10T and the Fico auto score. Quote Link to comment Share on other sites More sharing options...
centex Posted February 24, 2022 Share Posted February 24, 2022 27 minutes ago, hoapres said: Fico 8. IT would have been to do an interesting comparison with FIco 10, Fico 10T and the Fico auto score. Hell, it would have been interesting even to look at FICO8 vs FICO BankCard8... Quote Link to comment Share on other sites More sharing options...
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