my uti% is still higher than I wiould like because of a charge off still reporting a balance. But, because of that, I paid two of the three cards reporting a balance to a 0 balance , and now I have dropped from 63% overall util% to a 47%. But, that happened last month, and there was a change in my score then too. I am really stoked about this jump though, i just hope ex, eq, steps up to the plate and does the same thing soon.......................
Note: keep in mind that these are sub-primes so it does not take much to pay to a 0 balance......