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Question By
Wirdnah

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Credit Utilization
So last week my credit utilization was at 0%, so this week I decided that I would let a small amount (2% of my credit utilization) stay on my credit card until the billing cycle actually began, but paid it off before any interest was charged. On the site it says that 0% utilization is graded as a 'C' and 1% - 20% is graded as an 'A'. So what was strange is that from my utilization being at 0% my score actually dropped when it went to 2%, even though I moved from a 'C' grade to an 'A' grade. To my knowledge that is the only change that was made in that one week, so there really aren't any other outside factors that would be bringing this down. Can anyone explain this to me?

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