daveinla wrote:My CK and CS scores
Do you have creditors that actually use VantageScores?
daveinla wrote:How long after I do that will the scores return to where they were before?
Your revolving utilization is determined based on balances and limits as indicated in your reports. Your scores will recover when your reports update with lowered revolving utilization.
daveinla wrote:Assuming CK/CS reflects my real FICO
It does not. You cannot use a score generated by one model to determine a score generated by another model. That's regardless of FICO or FAKO. Even FICO has a number of different scoring models used by creditors so you cannot use one FICO to determine another FICO.
You don't have one "true" FICO. You need to consider relevance of the specific model and CRA to a given creditor. If, for example, a creditor uses a TU FICO 4 then your EX FICO 8 is irrelevant. Any score that is not a TU FICO 4 is irrelevant. If you want to know your TU FICO 4 then you have to pull that score.
daveinla wrote:It'll happen immediately (ex 120 pt jump) or will it go up gradually over a few months?
Your score will adjust as is appropriate for the data in the report. Revolving utilization has a significant impact but it is not the only factor that matters. The specific number of points depends on all the data changes. We have no idea if you'll recover 120 points but if your revolving utilization recovers the scoring model will factor it in when the score is generated.
Nixon wrote:CK CS scores are about as accurate as a newborn with a sack of wet marbles.
All scores are accurate but only for their own model. Accuracy is not about how well a scoring model mimics another model despite how many misuse the word. VantageScores are not designed to mimic a FICO model.
VantageScores are used by some creditors and are certainly relevant to those creditors. However, they are not relevant to creditors that do not use them. The same applies to any scoring model which is why it's relevance that matters and not accurate, real, fake, reliable or whatever other adjectives people tend to use.