FICO score movement

[Anonymous]

Thank you BofA for lowering my credit lines to just a few dollars over and above what I am carrying as a balance.  It has helped my FICO immeasurably...NOT.  We have a bal of roughly 12K on 2 BofA cards and pay double the min ea month.  It will take several months to get these into a low util area.  Even making the double min pymts ea month, will our FICO go up a bit ea month or will it be pretty stagnant until we reach a certain utilization ratio?  Anybody have a guess?

[Anonymous]

You will need to get the utilization below 50% before you probably see substantial changes in score.  After that you need to get under 35%.  So there are certain "thresh holds" that will trigger more gains than others.

Here is a link to info on FICO Score Estimator / Simulator which you can plug in CR items and then change dollar balances to see the FICO effect (will be a 'range' not exact score.)

http://ficoforums.myfico.com/fico/board/message?board.id=rebuildingcredit&thread.id=60929