I had 90% UTL and paid it to 9% a few years ago.

No baddies, AAoA of 6 years.

It added 80 points to my scores.

Good luck.  Pay down those cards as fast as you can. 

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Starting Score: 636
Current Score: 782
Goal Score: 800

Take the FICO Fitness Challenge

Accidentally HP on 1/15/2013 :-(