@Objectivist wrote:UPDATE: My score went from 657 to 736. From 117% to 1% in a month.
I'm sorry I was off by 40 points. 
But wrong in your favor. Congrats!! 
I think that's a good indicator of how much util affects your score. Congrats!!!
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
Welcome Starsandbucks, Congrats on paying your biggest balance. That's gotta feel great!
Starting Score: EQ 717 EX 724 TU 736
Yes, Util has a big impact on Score. I was at 85% in Jan, I am at 25% now and my scores went up 53 pts.
