Could i expect a decent increase ?.

[amckee]

Currently at 49% of 5450$cl 

if i was to drop it below 9% 

of a estimate how many points could i exspect ?

mainly hoping to boost fico 5 and mortgage scores

[Anonymous]

And what would be the highest individually utilized card upon going under 9.5% aggregate? And how many cards would have a balance?

[Anonymous]

Because right now you have five of six accounts with a balance and you have an individual card maxed out on top of the aggregate utilization.

So if you were to go down to one account with a balance and both individual and aggregate utilization were under 9.5%, I would anticipate a nice increase.

[Anonymous]

While it isn't related to your utilization question, keep in mind anything other than 100% payment history (meaning even a single late payment) can easily harm your scores as much or more than the utilization issue you are looking into.  It may be worth focusing some of your effort on cleaning any dirty items from your CR.

[Anonymous]

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@amckee wrote:

Currently at 49% of 5450$cl 

if i was to drop it below 9% 

of a estimate how many points could i exspect ?

mainly hoping to boost fico 5 and mortgage scores

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Also, how old are your newest accounts?

I see 21 inquires and mortgage scores do not like new accounts. 

If your newest accounts are nearing a year old, that would be good and stay away from apps for more credit in the meantime if you are wanting to get a mortgage.

How old is the most recent late?