Posts: 14,062
Registered: ‎04-15-2011
Re: How much does OTL account affect credit score

Anythibg 90% or higher util on a card is considered maxed out.  You need to pay that util down quickly.  Be careful that you don't get balance chased as you pay it down, that will sometimes happen when you max and carry a balance.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!