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well until now, I have let myself slide where all my dang credit cards sit at about 90% utilization and some at over 100%! I have 4 Other cards and those I paid down to like 8% this month, including the shared BoA card. I have not made a late pay on those accounts, and this one is the one card where I was 30 days late one time in Decembe. This card will be the only one of my cards above 10% and I am trying to get my score above 600 (the simulator indicates that my payment to my credit cards would most likely bring this above 600) to refinance out of my adjustable rate. It shows up on Transunion and Equifax only.