14 point drop because of $400?

[Anonymous]

I've got a few bad things here and there. Nothing negative in the last 3 years (longest credit is only 6 years old). But if I got hit 14 points for going up to 97% usage, if I get it back to 0%-1% usage, do I automatically get the 14 back (once it's reported), or is it gonna take many months to get those 14 back?

[Anonymous]

You will get them back - maybe more if there is no additional negative reporting.

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@Anonymous wrote:
I've got a few bad things here and there. Nothing negative in the last 3 years (longest credit is only 6 years old). But if I got hit 14 points for going up to 97% usage, if I get it back to 0%-1% usage, do I automatically get the 14 back (once it's reported), or is it gonna take many months to get those 14 back?

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[Anonymous]

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Timothy wrote: You will get them back - maybe more if there is no additional negative reporting.

Excellent news. Thank you!