Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
Re: From 117% utilization to 1%...My scores' increase

If you only have one CC then the impact would be much lower than if you had a good mix of credit with 3 or more CCs. Now you're over the limit and getting below 100% will return some points. Getting from below 100% down to 1% counts too. I'd guess 40. If you had 3 or more CCs, and got overall util down to that, then I'd guess 130+ on EQ and less on TU. The biggest indicator aside from mix is on your FICO reports. If util is listed in the top 1 or 2 slots in items that hurt your score the most, then you stand to see bigger gains.