The FICO impact will "go away" once the util is paid down, as % util of CL is not based on prior util levels.
That being said, it brings to mind another question...
If SOMEONE (no names, please... ) were carrying significantly more than 90% util on quite a few cards, then paid them down so that NO account reported over 90%, one would expect a measurable increase in FICO score once the new information reported, right?
For a friend.
Gardening for at least the last hour or so.... Zero percent financing is where the devil lives... 10/01/17 Fico8 scores: EX 660, EQ 647, TU 663 01/01/18 Fico8 scores: EX 655, EQ 661, TU 650