utili mean how much credit you used overall your total credit availaible . Example Capitaone 500 + discover 750 = 1250 limit. you need to used it less than 9% which is around 1----> 100 dollars.....

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Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK
Goal Score: 800

Walmart: 10k | Usaa: 4k | BCE: 3k | Amex Green: NSPL | Cap: 2k | Disco: 1.7k | ORchar: 0.4k