@RobertEG wrote:
The FICO impact will "go away" once the util is paid down, as % util of CL is not based on prior util levels.
That being said, it brings to mind another question...
If SOMEONE (no names, please... 
) were carrying significantly more than 90% util on quite a few cards, then paid them down so that NO account reported over 90%, one would expect a measurable increase in FICO score once the new information reported, right?
How measurable?
Just wondering.
For a friend.
Yep.