https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Is-it-an-instant-score-jump-when-using-ideal-utilization/m-p/2844237#M324444 <P>score has no memory it is generated in real time when someone wants one based on info in your CR.</P> Sat, 22 Feb 2014 20:59:54 GMT gdale6 2014-02-22T20:59:54Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Is-it-an-instant-score-jump-when-using-ideal-utilization/m-p/2844051#M324438 <P>I recently paid off all but one account, which I left under the 9% mark. They are due to post to the bureaus tomorrow, and I'm wondering if it is an instant jump or does it take time to increase the scores, if at all? We are coming down from many cards being over the 50% mark, and an over all UTI of about 20-30%.&nbsp;</P><P>&nbsp;</P><P>Thanks guys!</P><P>E</P> Sat, 22 Feb 2014 19:58:23 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Is-it-an-instant-score-jump-when-using-ideal-utilization/m-p/2844051#M324438 Anonymous 2014-02-22T19:58:23Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Is-it-an-instant-score-jump-when-using-ideal-utilization/m-p/2844067#M324440 My experience is the scores went up as each lender reported. Sat, 22 Feb 2014 20:02:43 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Is-it-an-instant-score-jump-when-using-ideal-utilization/m-p/2844067#M324440 Anonymous 2014-02-22T20:02:43Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Is-it-an-instant-score-jump-when-using-ideal-utilization/m-p/2844221#M324442 It was instant for me as well. As each cc reports, your score should go up. Sat, 22 Feb 2014 20:55:44 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Is-it-an-instant-score-jump-when-using-ideal-utilization/m-p/2844221#M324442 Tdbremer 2014-02-22T20:55:44Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Is-it-an-instant-score-jump-when-using-ideal-utilization/m-p/2844237#M324444 <P>score has no memory it is generated in real time when someone wants one based on info in your CR.</P> Sat, 22 Feb 2014 20:59:54 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Is-it-an-instant-score-jump-when-using-ideal-utilization/m-p/2844237#M324444 gdale6 2014-02-22T20:59:54Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Is-it-an-instant-score-jump-when-using-ideal-utilization/m-p/2844767#M324498 I concur, my scores jumped 25+ by staying below 15%. It does work, now I am interested in seeing what happens when I add another card to the mix. Sun, 23 Feb 2014 01:30:39 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Is-it-an-instant-score-jump-when-using-ideal-utilization/m-p/2844767#M324498 MortgageMinded 2014-02-23T01:30:39Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Is-it-an-instant-score-jump-when-using-ideal-utilization/m-p/2848511#M324688 <P>Thanks guys... I'm still waiting for them to update, they seem to be taking forever. &nbsp;Has anyone ever had scores not move or even decrease with paying uti down?&nbsp;</P> Mon, 24 Feb 2014 08:50:57 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Is-it-an-instant-score-jump-when-using-ideal-utilization/m-p/2848511#M324688 Anonymous 2014-02-24T08:50:57Z