You can't rely solely on what the update says. To determine the cause(s) for any scoring change you have to carefully review reports from before and after the change.
@Anonymous wrote:
I used 35% credit on my credit cards which I was told as long as the cards laid off before the statement cuts it doesn't matter.
If your cards report on statement date that is correct. However, not all cards report on statement date.
Any score is generated based on the data in a report so as far revolving utilization is concerned it's the balances and limits on your reports that matter. The scoring model does not have access to the current balances for your revolvers.
Revolving utilization is a significant scoring factor but it's not the only one.
