Super Contributor
Posts: 8,198
Registered: ‎03-25-2007
Re: High Utilization

renov8r wrote:
The current debt was to start a business and to home remodel.  The wife and daughter are traveling out of the country in August and I want to have plenty of credit available if they need it.

Try for a CL of $50,000 to get your util down to about 30%.  Especially as your current score are not as good as they might be, and that could hurt the refi rate.
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid