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There is another thread right around yours that also stated she had 85% utilization. Her score changes were anywhere from 12-30 points depending on the CRA just for paying down util to 15%. Your mileage will vary based on everything that separates you from her credit wise obviously. For instance, her TU might jump 40 points when she pays her util down from 85% to 15% because util was the only thing holding her down, where as you could pay yours down and only get 13 points because other factors are holding you down on TOP of utilization.