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I thought this information which I shared in another forum could be useful here.
Credit score algorithms are a puzzle. Hopefully this sheds some light on part of the problem relating to number of balances on revolving credit card accounts
I have 3 credit cards. Utilization is less than 2% on all the cards.
100%: 3 with a balance. EQ FICO: 725.
66%: 2 with a balance. EQ FICO: 756 (+31)
33%: 1 with a balance. EQ FICO: 767 (+10)
Scores were observed within a span of a week. I was quite amazed that credit scores could be so flaky. I am curious what will happen if go down to 0%. I suspect my scores would drop.