https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Uti-27-to-32/m-p/5632581#M156391 What are your FICO 8 scores now?<BR />Is the $5,700 on one card? Is it the only card? If not the only card, what are the list of cards and limits? Any other balances?<BR />Are there any lates on your file, ever? Sat, 01 Jun 2019 11:49:52 GMT NRB525 2019-06-01T11:49:52Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Uti-27-to-32/m-p/5632040#M156374 How many points will this drop me by on estimate ?<BR /><BR />5700$ cl Sat, 01 Jun 2019 00:00:54 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Uti-27-to-32/m-p/5632040#M156374 amckee 2019-06-01T00:00:54Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Uti-27-to-32/m-p/5632539#M156390 <P>Are you talking overall utilization or utilization on a single card?</P><P>&nbsp;</P><P>If you're talking overall utilization, crossing that 28.9% threshold may cause you to lose 10-15 points on your FICO 8 scores.</P><P>&nbsp;</P><P>Your credit limit by the way is not a factor in FICO scoring... simply the percentages that you referenced are all you need.</P> Sat, 01 Jun 2019 08:57:37 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Uti-27-to-32/m-p/5632539#M156390 Anonymous 2019-06-01T08:57:37Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Uti-27-to-32/m-p/5632581#M156391 What are your FICO 8 scores now?<BR />Is the $5,700 on one card? Is it the only card? If not the only card, what are the list of cards and limits? Any other balances?<BR />Are there any lates on your file, ever? Sat, 01 Jun 2019 11:49:52 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Uti-27-to-32/m-p/5632581#M156391 NRB525 2019-06-01T11:49:52Z