Are auto scores sensitive to credit card utilization? Thanks!

[DuxMom]

I have a 6 year old negative item and low auto scores

I have several revolving accounts, average age about 3 years with perfect payment history but high balances. If I reduce my revolving utilization will that raise my auto scroes at all?

Thanks Very Much!

[incognitony]

Lower utilization impoved auto scores to some degree in my experience. Also some lenders still use regular scores. If you can lower the balances before attempting a purchase it should improve your odds of a favorable result.

[dragontears]

To the best of my knowledge, ALL scoring models are sensitive to credit card utilization.