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I just pulled my TU score from Myfico and I have a 751 with an 81% utilization. Isn't that freaky. I was thinking my score would be lower.
Awesome! And your FICO report says 81% Util? Out of curiosity, how old is your oldest TL and what is your AAoA? How many revolving TLs do you have reporting?
Yes my report from MYfico says 81%. Oldest account is 14 years and average age is 9 years. I have four total cc but one is closed. They all have balances.
I bet you could hit 800 if util drops and more $0 balances report.
I'm not planning on paying down anytime soon.