<prompt> Human: Ive been following rpersonalfinance for some time now. From the posts Ive seen and other external research, Ive never seen credible information that would lead me to believe that credit scores have a utilization memory component. I.e. credit scores only account for the lastest utilization ratio.A friend of mine believes that utilization memory is a score factor. Please point me to official FICO, credit bureaus, etc or trustworthy ideally, my friend would recognize the namecompanyorganization sources that explicitly provide evidence foragainst his belief.Thanks!  <response>: Please point me to official FICO, credit bureaus, etc or trustworthy ideally, my friend would recognize the namecompanyorganization sources that explicitly provide evidence foragainst his belief.You will not get this information. The algorithm is proprietary: it is their product. They certainly arent going to give it up to sate you friends idle curiosity.The evidence that they are wrong is years and years of people observing the behavior. 