gideon

I know if you go above a 50% debt to credit ratio, it hurts your score.



If you go above, lets say $1100debt/$2000 credit, and payoff $200 on the next bill so you drop below 50%, will your credit score return back to before the $1100 hit?

majik

it's a step scale rather than sliding, and historical factors come into play and there's often a delay before impact hits. I really wouldn't think $200 would change your score much at all. I don't think 51% is a magical number, so I doubt 48% would be viewed much differently. It's one factor out of many, and for me the biggest factor for a while was lack of long term credit history. It takes a long time for credit to build.



It also looks at overall debt/credit ratio, not individual credit cards.