First Premier reports the balance in your utilization. I was in the same boat and PIF, they updated CO/Paid in Full; score increased by 15 points.
MyFICO Pulled: (11/28/2012) EQ 635, TU 650, EX 661
Lender Pulled: (12/05/2012) EQ 635, TU 677, EX 641
Lender Pulled: (02/20/2013) EQ 667, TU 661, EX 648
GOAL = 700 ATB
