This is because the FICO simulator also takes into account the aging of your accounts when it projects your estimated score. The points you get for utilization wil be the same whether you pay your balances down immediately or over a period of time. As your accounts age, your score will naturally trend upwards over time, so all else equal, you'll see a larger overall point gain.
You mentioned "soon" in your need for scores to go up...if you don't have 3 months, try 2 months. Any way you do it, you will get a boost....just the longer period you take to pay...the higher the scores are supposed to go up according to the FICO simulator!!
so slow is better? I had to take my utilization up in Feb/March due to a move. I have been panic stricken about my higher utilization. But I am not going anywhere for a while nor do I need to apply for anything more for a while either. (although I want to badly but will resist until I can actually apply for a prime card. That is my next goal) So over the next 3/4 months, I can definitely get it down to the less than 10 percent goal. (right now about 90 percent)