UTL Question

[iltph]

I know that overall UTL is a big part in FICO scoring, but what about individual UTL on an account-per-account basis?

Here's how last months cards were reported:

Balance / CL

$10/$300, $0/$500, $338/$3,000, $0/$3,000

Here's what will report this month:

$185/$300, $0/$500, $200/$3,000, $0/$3,000

the overall UTL both months is 5%

Would my FICO score be about the same both months (only based on the above info and nothing else) or would last month's be better since my $300 account only had a $10 balance report and this month will report $185. I'm wondering because I'm waiting for a collection to be deleted anyday now (hopefully) or if I should just apply tomorrow in case my UTL is worse next week after balance report.

[marty56]

IMHO you might take a hit on EX since the $300 card util is high. I would not think a big one though.

[haulingthescoreup]

Many of us have found that we can get away with one high-util card, but we get nailed for a second.

I don't know if this is true for everyone, or if just for those with lots of cards or some other variable.