Low utilization but no change.

QuestionsLow utilization but no change.
asked 3 years ago

I have always heard and read that the lower your utilization percentage, the higher your credit score. How is it that, when my utilization  was 41%, my score dropped by 10 points. After paying down my credit cards balances and my utilization went down to 4%, my score went up only by 1 point? Not else changed, all payments on time and balances paid down. I don’t understand…just 1 point!??

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