Equifax and utilization

[Anonymous]

I have 4 cards with combined available balances of 24,000. I paid all cards except one down to $63, so 3 of them have a zero balance.

Equifax seemed to go down significantly when this posted versus when I had two cards carrying a balance and a combined utilization of 8 percent. Is $63 too low?

[Adkins]

Probably. It might be too close to a zero utlization percentage for the computers, compared to what your available credit is.  You only left .26% utilization. Leaving around $250 to post to the CRAs gives you 1.4% utilization. I wouldn't go any lower than that next time, to be safe.