http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/High-balances-and-low-scores/m-p/1629114#M66677 I have high util on my credit cards, so my scores are lower right now. When I pay them down, could I still be hurt by having had high util in the past? Or will the zero balances simply reflect in my score? Sat, 06 Oct 2012 22:12:06 GMT EaglesFan2006 2012-10-06T22:12:06Z http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/High-balances-and-low-scores/m-p/1629114#M66677 I have high util on my credit cards, so my scores are lower right now. When I pay them down, could I still be hurt by having had high util in the past? Or will the zero balances simply reflect in my score? Sat, 06 Oct 2012 22:12:06 GMT http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/High-balances-and-low-scores/m-p/1629114#M66677 EaglesFan2006 2012-10-06T22:12:06Z http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/High-balances-and-low-scores/m-p/1629428#M66678 <p>When the util is paid down your score will go up.  It doesn't count the past balances.</p> Sun, 07 Oct 2012 02:13:46 GMT http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/High-balances-and-low-scores/m-p/1629428#M66678 Shogun 2012-10-07T02:13:46Z