So Experian has NOTHING on the good side of the scale currently but it's my highest score with 615 (25 point increase since beginning of month)
I was actually surprised my util was that low, I only have 1 big credit card and then my small rebuilders and some store, but to my amazement there are like 4 of my parents credit cards that have 0 balances and VERY nice CL sitting on my reports!!!
so I know 39% isn't great, but I didn't expect everything to be negative