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Hello all, this is my first post after reading some great advice from this forum. I have a question about utilization. My current overall utilization is 12% with one card reporting $1500 and another reporting $0. If both of my cards reported a small balance I know my score will drop a little, but after I go back to one reporting a balance will the score go back up? Thanks!
Welcome to the forums!
You might lose some points for having both of your cards reporting "any" balance. If you go back to only one card reporting a balance, your score should go back up assuming there aren't other changes to your report.