High UTILIZATION

[Anonymous]

Hi all

High utilization has keep my scores low. They been climbing. Was at 87% utilization.

66k credit line across all cards.

I’ve paid most off and have a few balances. Utilization will be about 40% once everything reports. Hoping for a big score jump. Any else have large score jumps are paying off debt?

[Anonymous]

Big score jumps often do come from paying down utilization.

It's not uncommon for someone with maxed out utilization that brings it down to the ideal range to see 80-100 FICO points in the process.  I typically ballpark every threshold-crossing to be around 15 FICO points.