My Fico score from here was 697 with the large new jewelry card reporting.  Utl was something like 40% at that pont, it is much lower now, less than 30 and probably closer to 20.  I have no bad marks on my report, AAoA is probably my biggest problem.  If I knew that I was going to need a new vehicle, I definately wouldn't have opened up those 2 new credit cards this past month.