First off congrats I am new to the forum as far as writing goes. Brammy according to calculations you went from max on one card and paid it and got 15 another said he paid 2 cards down to under 20  and got 17 points I'm not sure where the person was maxed to begin with or whether FICO allows huge jumps per cc. If it does I just paid 10 cards down below 25% all at their max. I am optimistic about wishing to gain 15 points per card which would immediately put me at my goal but based on what others have said sometimes paying all to soon doen't necessarily give you that big boost. Any suggestions?