My Equifax just went from 615 to 668 with UTIL down from 95% to 11% and no other significant changes.  You should get a good bump.  They really penalize for max out UTIL.

---

Starting Score: 608 (7/29/12 TU), 615 (7/29/12 EQ), EX ???
Current Score: 690 (12/29/12 TU), 650 (12/16/12 EQ)
Goal Score: 700+ by 7/2014

Take the FICO Fitness Challenge