SOOOO Discouraged!

[GoodCredBen]

you will get most of your points, once you get below 30% util total

[Lois5669]

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@pizzadude wrote:

FICO revolving utilization actually takes into account both individual card utilization, total utilization, and the percentage of accounts with balances.

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I learn something new every day. I didn't realize they factored individual. Thanks for the info, pizzadude!

[jocleveland]

Does ythe CRA's report you are down to 20%?  Sometimes statement dates pick up the old balance. If so, your increase will show after the next statement date.

[theheater30]

yeah, my total does not have me showing under 30% yet, the card I paid off was my smallest one so I guess I didn't make as big of a dent as I feel like I have.... I just hope to one day have a decent credit score.... I just need to be prepared for the long journey.  Once all statements are reflecting on my report my total utilization will be down to 20% so fingers crossed I see a few good points.