Credit Utilization help

[Anonymous]

Hey guys, my current median score is 614, that is with a 52% utilization.  My question is if I pay it down to 30% will that bump me to 620 or higher?  I ask because i'm trying to buy a home and VA requires a 620 to qualify.  Nothing on the report should change other than this.  Thanks a bunch!

[gdale6]

---

@Anonymous wrote:

Hey guys, my current median score is 614, that is with a 52% utilization.  My question is if I pay it down to 30% will that bump me to 620 or higher?  I ask because i'm trying to buy a home and VA requires a 620 to qualify.  Nothing on the report should change other than this.  Thanks a bunch!

---

Its possible you will get the points that you need. Welcome to My Fico

[Anonymous]

Thanks after much research i expect to get 30-40 point jump

[MarineVietVet]

---

@Anonymous wrote:

Thanks after much research i expect to get 30-40 point jump

---

Hi there.

Only time will tell. Please let us know what happens.