https://ficoforums.myfico.com/t5/General-Credit-Topics/UTIL-DTI-Question/m-p/2119991#M173503 I've focused on getting my credit squared away this year. With rehabbing my student loans and working to get a CO(HSBC) and CA(LVNV) removed, those are the only derogs I have that are truly affecting my score right now. My auto loan just reported for $3800, and I just opened up 4 new card accts(NFCU, JCREW, VS, EXPRESS). I already have two CAP1 cards. Total CL is $11900. The new cards haven't hit my reports yet, but when they do, what affect will that have?? The only balance im holding right now is my NFCU CARD. My utilization will be at 4%, but will that be offset by the new accts?? Sun, 05 May 2013 16:49:50 GMT CreditJunkie917 2013-05-05T16:49:50Z https://ficoforums.myfico.com/t5/General-Credit-Topics/UTIL-DTI-Question/m-p/2119991#M173503 I've focused on getting my credit squared away this year. With rehabbing my student loans and working to get a CO(HSBC) and CA(LVNV) removed, those are the only derogs I have that are truly affecting my score right now. My auto loan just reported for $3800, and I just opened up 4 new card accts(NFCU, JCREW, VS, EXPRESS). I already have two CAP1 cards. Total CL is $11900. The new cards haven't hit my reports yet, but when they do, what affect will that have?? The only balance im holding right now is my NFCU CARD. My utilization will be at 4%, but will that be offset by the new accts?? Sun, 05 May 2013 16:49:50 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/UTIL-DTI-Question/m-p/2119991#M173503 CreditJunkie917 2013-05-05T16:49:50Z https://ficoforums.myfico.com/t5/General-Credit-Topics/UTIL-DTI-Question/m-p/2120431#M173508 <P>You can get a rough estimate.&nbsp; Add all your balances and divide by all your CLs then multiply by 100.&nbsp; That will be your new utilization.</P> Sun, 05 May 2013 21:14:32 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/UTIL-DTI-Question/m-p/2120431#M173508 Anonymous 2013-05-05T21:14:32Z