Regular Contributor
Posts: 195
Registered: ‎01-05-2012
Re: *****QUESTION*****From 31% utilization to 5%

Utilization was listed third on my report behind serious delinquency and number of accounts with a negative indicator (or something). I went from a 566to a 631 by paying down utilization from over 100% to 2%! 

Starting FICOs (2/2012): EQ 559 TU 558
Current FICOs (EX and TU Lender pulled 10/6/12): EQ 652 TU 635 EX 647
Matthew 7:1 KJV
Judge not, that ye be not judged.