Congrats on paying down your util. 95% is considered Max on your CCs. The decrease should give you a score bump, as well as it's always good to pay down debt. Just a suggestion, 9% or lower will give you the optimum as far as Util goes. Good Luck and happy house shopping.
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.
Now you're talking!
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.
My Equifax just went from 615 to 668 with UTIL down from 95% to 11% and no other significant changes. You should get a good bump. They really penalize for max out UTIL.
Starting Score: 608 (7/29/12 TU), 615 (7/29/12 EQ), EX ???
@Nella wrote:Well I only received a 13 point increase. I am up to 605 for my equifax score and I am at 43% UTI. Hopefully it will be
better next month once I pay down the rest. I really need to have a mid-score of 640.
You should get another boost paying it down further. How far out is your mortgage?
FICO can start moving fairly quickly depending on your report: in my case I didnt have much of anything positive and some random sins of my youth still on the report when I started this building plan back in December '11; was expecting 640 by the end of 2012 and instead hit it back in July much to my surprise and ironic regret... really needed to sort out my old tax lien months ago and I could've gotten clean for a mortgage this year instead of next year. Oh well live and learn 
