I have one card that was reporting maxed out due to not reporting a credit limit.  My overall utilization was still standig at 34%.  This card just updated today to show a 0 balance. Resulted in a 15 point bump in score.  In a system where a few points can, make a difference between whether or not you can afford a house, this was HUGE.  Lesson learned, never max out a card, or if you do, pay it off before the statement date.