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CC utilization - scoring model

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hello all,

i know that keeping utilization low is important. so are the scoring models considering total avaliable credit vs utilization or is it based on individual accounts?

like if i have one card with 60% utilization, and another 2 CCs with 2%. is the 60% utilization weighing more heavily on my score? or is it looking at my total available credit which i would only be using about 25% of?

did that make sense? i hope so. :wink:


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