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Utilization from 19% to 12%, did not gain one single point.
I think they say your utilization needs to be 9% or under to see an increase.
No, you will see an increase going from a large utilization to a smaller one. Say from 90 to 30.
Some will see small increases with small drops in utilization, others won't.
9% or below reporting gives you your optimum FICO score.
