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My overall utilization is at 25% right now with a TU fico of 642 if I pay down my debt could I come close to 700?
There are way to many factors that could affect it to know but it definitly wont hurt.
On TU, I wouldn't bet on hitting 700. You'll likely be south of that but you'd see a solid double-digit increase. I bet you could possibly hit 670-680.