Maxed cards and FICO scoring

[crunching_numbers]

What affect to my FICO, if any, might come from bringing all cards so that none are over 90%?  I have high util%, and high debt. I have been able to zero out some smaller accounts so I now report a few zero balance cards.  I was able to get some CLI's, and opened a new 0% card with BT's.  Agressively paying down debt. Taken off as AU on some cards with high balances. I think I am on the right track to getting the numbers improved.  I am wondering what kind of number movement is possible just for not having ANY of them over 90%? (maxed level is 90% right?) 

Are there ranges of util% that are traditionally believed to be benchmarks to score changes?

[llecs]

Here's my play-by-play experience from dropping util 89% down to 3% and 1% respectively for TU and EQ:

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Score-impact-of-going-from-89-util-to-lt-...

YMMV of course. If util is in the #1 slot on page 2 of your FICO report, then you stand to see greater gains as util drops. If util isn't listed anywhere as a negative item, then you'd be hard-pressed to see much of a gain.

Also, when removing an AU, more comes into play like your mix of credit, AAoA, length of history, and payment history. Any gain or loss wouldn't be a direct result of util.

I don't know what maxed it. I would be it is at 100% though. In the past, I've seen specific dings at 100% or above.

[crunching_numbers]

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@llecs wrote:

Here's my play-by-play experience from dropping util 89% down to 3% and 1% respectively for TU and EQ:

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Score-impact-of-going-from-89-util-to-lt-...

YMMV of course. If util is in the #1 slot on page 2 of your FICO report, then you stand to see greater gains as util drops. If util isn't listed anywhere as a negative item, then you'd be hard-pressed to see much of a gain.

Also, when removing an AU, more comes into play like your mix of credit, AAoA, length of history, and payment history. Any gain or loss wouldn't be a direct result of util.

I don't know what maxed it. I would be it is at 100% though. In the past, I've seen specific dings at 100% or above.

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@I will go read the thread. Util% is my #1 ding. TU was showing 81%. Second ding was for balances on non-mortgage accts @$71K.

AU's were for $34K of that. Removed myself from $29K, bring total non-mtg debt to $42. non af the AU stuff was helping util%. All high balance cards.

@Added $9500 worth of new available credit (addded DM card @0% BT's with $6500 CL), and gor CLI's for $3000.

This will help util% as well.  Paid off about $10K since that CR on 2/7/12. I do not even know what the right numbers are at the moment since so much is recently done. Most of these changes will not report for up to a month.