Confirmation about Util

[EaglesFan2006]

I know high utilization is bad, but I just wanted to confirm something.  Let's say my util has been as high as 80% (Based on when I typically pay versus when they report).  Then, I pay down all my cards and the util is 10% or less.  Will my score still be damaged based on the previous high util, or will lenders only see that my current util is less than 10%

[DaveSignal]

The FICO and credit reports reflect the current balance / credit limit.  So util is whatever was last reported by the banks (usually just after your statement date).  This is what a lender pulling your report or FICO score will see.