topic So hypothetically in Understanding FICO® Scoring https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/So-hypothetically/m-p/60995#M9154 <DIV>If I pay down the balances on our CCs and only keep a few dollars on each one for a few months, how much do you think this would help my score (currently 588; it was 618 but mysterious 30 pt drop this month which was helpfully addressed in another message).&nbsp;</DIV><DIV>&nbsp;</DIV><DIV>Are we talking significant or one or two points?</DIV> Wed, 05 Sep 2007 23:49:12 GMT Anonymous 2007-09-05T23:49:12Z So hypothetically https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/So-hypothetically/m-p/60995#M9154 <DIV>If I pay down the balances on our CCs and only keep a few dollars on each one for a few months, how much do you think this would help my score (currently 588; it was 618 but mysterious 30 pt drop this month which was helpfully addressed in another message).&nbsp;</DIV><DIV>&nbsp;</DIV><DIV>Are we talking significant or one or two points?</DIV> Wed, 05 Sep 2007 23:49:12 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/So-hypothetically/m-p/60995#M9154 Anonymous 2007-09-05T23:49:12Z Re: So hypothetically https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/So-hypothetically/m-p/61023#M9156 Would need to know what you current UTL reported on your credit report is?<BR /><BR />Total revolving debt?<BR />How many cards with debt?<BR />Total credit limits combined? Thu, 06 Sep 2007 00:29:38 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/So-hypothetically/m-p/61023#M9156 Anonymous 2007-09-06T00:29:38Z Re: So hypothetically https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/So-hypothetically/m-p/61053#M9157 <DIV>I've never figured it out.&nbsp; I have two cards, both $500 that are more than 50%.&nbsp;</DIV> Thu, 06 Sep 2007 00:55:03 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/So-hypothetically/m-p/61053#M9157 Anonymous 2007-09-06T00:55:03Z Re: So hypothetically https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/So-hypothetically/m-p/61150#M9166 A pay off over 50% will give you a drastic score improvement. Thu, 06 Sep 2007 02:45:58 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/So-hypothetically/m-p/61150#M9166 Anonymous 2007-09-06T02:45:58Z