Understanding FICO® Scoring

[FiscalCliffer]

Hey everyone, happy new years eve!

I used to have a fico score of about 750-760 for both Equifax and Transunion, but after using a lot of my personal cards for business use (I know, dumb) I've racked up a lot of debt but now I'm paying it off for the most part (I already opened a few new business cards and I've gotten everything in order) BUT I'm focused on my scores now.

I just made these payments as of a few days ago, and today:

Discover - $12,000 owed / $13700 limit - Paid to $0 
Chase: $4700 owed / $20,000 limit - paid to $0
Citi card 1:  $1486 owed / $14000 limit - paid to $0
Bank of America - $2900 owed / $5000 limit - paid to $0

I have about 10 cards total, but the remaining cards have 0 balances so I'm not including them. I just paid all of those cards after reporting with a balance for over a year. 

Before: $30,000 out of an available $74000

After: $9760 out of an available $74000

FICO Before debt paid : 690

FICO after: ??????

Thanks everyone!

[Mama-j]

You got it down from 41% utl to 13% utl so you should get a big jump. We won't know how much but I wont be suprised if you'll get up to at least 720ish. I believe you'll get the biggest jump if you get it down to 9% utl.