My Fico score took a huge hit from 683 to 630 due I think to running two of my credit cards up to 90% of their credit limit in one month, which I rarely ever do..I pay all of my credit cards/car loan on time every month, yet I understand the computer doesn't know if on this occasion I will run up more...so they hit me hard...My question is how long will I sit at 630? Will it go back up when they see that both cards have been paid in full,on time and that my charges to credit available has been reduced back to less then 25/30% of total credit OR, will I have to wait months to slowly go back up?