Moderator Emeritus
Posts: 32,865
Registered: ‎08-04-2007
Re: *****QUESTION*****From 31% utilization to 5%

If util is listed as a top negative item on your FICO report, and if nothing else factors into util like a CC CO, HELOC, LOC, etc., then there's a chance of 20-30 or so I bet, maybe a little more. You might eeck out a few more points by getting one balance to report $0.