Established Contributor
Posts: 2,112
Registered: ‎09-25-2011

also to the OP the TU fico here is TU98 and is not what the mortgage lenders or majority of the auto industry or credit cards could pull to base their decisions. If they rely on fico they need Fico04 and not Fico98. So your Fico 04 is probably much lower and chance of your bad auto loan dropping off early is a possibility as well. so remember if your reports are clean it's possible, but it could just be you found your sweet spot on your fico with debt utilization. Bobwang on Creditboards stated from his calculations the sweet spot is to report around 2%  

total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758