Congrats on paying down your util.  95% is considered Max on your CCs.   The decrease should give you a score bump, as well as it's always good to pay down debt.  Just a suggestion, 9% or lower will give you the optimum as far as Util goes.  Good Luck and happy house shopping.

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Starting Score: 504

Current Score: EQ FICO 819, TU08 778, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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