Score simulator confusion

[smoothjk]

I'm currently at 64% utilization right now over two cards. I used the score simulator thing to see what would happen if I paid the total down to about 9%.

Practically nothing. It would result in a 0-20 point increase.

I'm guessing this is wrong because pretty much the #1 thing dragging my credit score down is my debt ratio. Maybe it means a 0-20 point increase immediately, but in a few passing months (assuming I'm still paying small monthly payments), would it increase dramatically?

[Anonymous]

There is no time delay once all the lower balances report, a newly generated score would take into account the new util instantly.

Is your util on 64% on 2 cards with a lower overall util or is your overall util with those cards nearly maxed?

Either way, if you pay it down to 9 I would expect 20 points to be the minimum jump, and it could be as high as 40.

[smoothjk]

The higher limit card is at 76% and the lower limit card is at 37%. Total for the two cards (my only open credit cards) comes out to 64%.