If you could guess.

[housejunkie81]

So I have about 10 credit cards 6 being maxed out the other 4 with an average untilization of 70%. Well I just paid them all off with some extra cash I came by so now I have a 2% utilization. What do you think my score of 635 will go up to?

[SouthJamaica]

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@housejunkie81 wrote:
So I have about 10 credit cards 6 being maxed out the other 4 with an average untilization of 70%. Well I just paid them all off with some extra cash I came by so now I have a 2% utilization. What do you think my score of 635 will go up to?

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A lot. Certainly over 700, assuming no negatives.

[housejunkie81]

Yes no negatives and before I ran such high balances I was a 710

[Anonymous]

636

[SouthJamaica]

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@housejunkie81 wrote:
Yes no negatives and before I ran such high balances I was a 710

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Then I guess 720 average.

[Anonymous]

Where are you getting your 635 score from? 

If it's a FICO 8 score, it will go up considerably.  While you didn't quantify it exactly, it sounds like your overall utilization is probably in the 80%-90% range.  Is that correct?

If that's the case, I'd guess that you stand to gain 80 points or so on your FICO 8 score.  If you're at > 90% utilization, the paydown to 2% would probably result in you coming in at closer to a 100 point gain.

Nice work and congratulations on the paydown, BTW.  That's a great accomplishment.