Posts: 14,051
Registered: ‎04-15-2011
Re: Utilization ratio question

You are at max for one of your cards, yes, this will have some affect on your score, what that affect is, however, is a YMMV type of thing.

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!